ZIP
76651
TX · County 48139 · pop 4,071 (population)
31.2
Opportunity Index
EARLY_SIGNALNational rank #19383
Why This ZIP
ZIP 76651 ranks #19383 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76651 — 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 48139 — ZIP 76651 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48139 — ZIP 76651 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48139 — ZIP 76651 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
| Vacancy | 11.1 |
| Property Stress | 11.0 |
| Foreclosure / Delinquency | 6.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 75.7 |
| Bank Institutional | 59.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#19383
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.3
Pulse score31.8
Signal Breakdown — 10 Categories
Vacancy
11.1
Auction / REO
—
Construction Pressure
75.7
FL Deep Bonus
—
Property Stress
11.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
59.5
Insurance Distress
0.0
Foreclosure / Delinquency
6.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
11.1%
Bank Score
59.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76651 | 31.8 | 10.6 | 0.0 | — |
| County 48139 | 27.3 | 11.0 | 0.0 | 23.2 |
| 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 |
|---|---|---|---|---|---|
| 75125 | 35.8 | WATCHLIST | BANK_INSTITUTIONAL | 48 | 13 |
| 76626 | 34.4 | EARLY_SIGNAL | VACANCY | — | 17 |
| 76641 | 33.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 76084 | 32.8 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 49 | 11 |
| 75146 | 32.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 17 |
| 76670 | 31.3 | EARLY_SIGNAL | VACANCY | — | 15 |
| 75152 | 31.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 11 |
| 76064 | 30.8 | WEAK | BANK_INSTITUTIONAL | 33 | 11 |
| 75104 | 30.2 | WEAK | BANK_INSTITUTIONAL | 24 | 17 |
| 76050 | 29.9 | WEAK | BANK_INSTITUTIONAL | — | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76651
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.