ZIP
76638
TX · County 48309 · pop 3,395 (population)
29.0
Opportunity Index
WEAKNational rank #24952
Why This ZIP
ZIP 76638 ranks #24952 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 25.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76638 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 48309 — ZIP 76638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48309 — ZIP 76638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48309 — ZIP 76638 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Foreclosure / Delinquency | 18.0 |
| Listings Discount | 17.4 |
| Property Stress | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.2 |
| Construction Pressure | 57.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#24952
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp25.5
Pulse score31.4
Signal Breakdown — 10 Categories
Vacancy
7.1
Auction / REO
—
Construction Pressure
57.9
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
17.4
Bank Institutional
71.2
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
80.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
7.1%
Bank Score
71.2
Insurance Score
0.0
Listings Discount
17.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76638 | 31.4 | 14.6 | 0.0 | 17.4 |
| County 48309 | 30.9 | 15.4 | 0.0 | 14.2 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76524 | 41.2 | STRONG_BUY | VACANCY | 45 | 35 |
| 76682 | 38.7 | OVERHEATED | BANK_INSTITUTIONAL | — | 29 |
| 76561 | 38.4 | OVERHEATED | VACANCY | — | 25 |
| 76689 | 36.3 | EARLY_SIGNAL | VACANCY | — | 24 |
| 76640 | 34.5 | WATCHLIST | LISTINGS_DISCOUNT | 49 | 14 |
| 76664 | 34.2 | EARLY_SIGNAL | VACANCY | — | 21 |
| 76673 | 33.8 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76691 | 33.6 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 14 |
| 76621 | 33.4 | EARLY_SIGNAL | VACANCY | — | 22 |
| 76622 | 33.2 | EARLY_SIGNAL | VACANCY | — | 22 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.