ZIP
76656
TX · County 48145 · pop 2,478 (population)
40.6
Opportunity Index
OVERHEATEDNational rank #1711
Why This ZIP
ZIP 76656 ranks #1711 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76656 — 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 48145 — ZIP 76656 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48145 — ZIP 76656 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48145 — ZIP 76656 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 | 60.0 |
| Property Stress | 40.0 |
| Vacancy | 10.7 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.7 |
| Construction Pressure | 35.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#1711
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp36.1
Pulse score43.6
Signal Breakdown — 10 Categories
Vacancy
10.7
Auction / REO
—
Construction Pressure
35.7
FL Deep Bonus
—
Property Stress
40.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
59.7
Insurance Distress
0.0
Foreclosure / Delinquency
60.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
10.7%
Bank Score
59.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76656 | 43.6 | 46.7 | 0.0 | — |
| County 48145 | 40.9 | 38.3 | 0.0 | 29.4 |
| 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 |
|---|---|---|---|---|---|
| 76629 | 52.4 | STRONG_BUY | VACANCY | 49 | 50 |
| 76661 | 49.4 | STRONG_BUY | VACANCY | 61 | 40 |
| 76524 | 41.2 | STRONG_BUY | VACANCY | 45 | 35 |
| 76653 | 41.1 | STRONG_BUY | BANK_INSTITUTIONAL | 45 | 31 |
| 76570 | 40.0 | OVERHEATED | VACANCY | — | 33 |
| 76682 | 38.7 | OVERHEATED | BANK_INSTITUTIONAL | — | 29 |
| 76632 | 38.0 | OVERHEATED | VACANCY | — | 40 |
| 76687 | 37.8 | PEAK_OPPORTUNITY | VACANCY | 41 | 27 |
| 76685 | 35.9 | EARLY_SIGNAL | VACANCY | — | 28 |
| 76680 | 35.2 | EARLY_SIGNAL | VACANCY | 25 | 28 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76656
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.