ZIP
76640
TX · County 48309 · pop 2,958 (population)
34.5
Opportunity Index
WATCHLISTNational rank #10799
Why This ZIP
ZIP 76640 ranks #10799 nationally with phase WATCHLIST. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 46.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 76640 — 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 76640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48309 — ZIP 76640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48309 — ZIP 76640 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
| Listings Discount | 49.2 |
| Foreclosure / Delinquency | 18.0 |
| Property Stress | 14.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 57.9 |
| Bank Institutional | 32.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#10799
PhaseWATCHLIST
Primary driverLISTINGS_DISCOUNT
Capital opp46.1
Pulse score26.8
Signal Breakdown — 10 Categories
Vacancy
7.2
Auction / REO
—
Construction Pressure
57.9
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
49.2
Bank Institutional
32.0
Insurance Distress
0.0
Foreclosure / Delinquency
18.0
Top-Line Metrics
Avg DOM (days)
170.0
Price Cut %
9.3%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
7.2%
Bank Score
32.0
Insurance Score
0.0
Listings Discount
49.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76640 | 26.8 | 14.6 | 0.0 | 49.2 |
| 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 |
| 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 |
| 76630 | 33.0 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 42 | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.