ZIP
76865
TX · County 48399 · pop 237 (population)
33.8
Opportunity Index
EARLY_SIGNALNational rank #12510
Why This ZIP
ZIP 76865 ranks #12510 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 37.8, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76865 — 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 48399 — ZIP 76865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48399 — ZIP 76865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48399 — ZIP 76865 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 | 31.8 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 16.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 27.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#12510
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp37.8
Pulse score31.2
Signal Breakdown — 10 Categories
Vacancy
31.8
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
27.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
31.8%
Bank Score
27.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76865 | 31.2 | 17.3 | 0.0 | — |
| County 48399 | 37.1 | 17.5 | 0.0 | 18.4 |
| 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 |
|---|---|---|---|---|---|
| 76933 | 41.8 | STRONG_BUY | VACANCY | 46 | 20 |
| 79567 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 57 | 16 |
| 76875 | 37.4 | OVERHEATED | VACANCY | — | 19 |
| 76821 | 36.3 | EARLY_SIGNAL | VACANCY | — | 16 |
| 76882 | 34.0 | EARLY_SIGNAL | VACANCY | — | 18 |
| 76861 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 79538 | 31.2 | EARLY_SIGNAL | VACANCY | — | 14 |
| 79566 | 28.7 | WEAK | VACANCY | — | 18 |
| 79519 | 28.3 | WEAK | VACANCY | — | 18 |
| 79530 | 28.1 | WEAK | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/76865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.