ZIP
76866
TX · County 48095 · pop 918 (population)
39.4
Opportunity Index
OVERHEATEDNational rank #2741
Why This ZIP
ZIP 76866 ranks #2741 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 33.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 76866 — 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 48095 — ZIP 76866 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48095 — ZIP 76866 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48095 — ZIP 76866 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 | 41.1 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 57.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#2741
PhaseOVERHEATED
Primary driverVACANCY
Capital opp33.6
Pulse score43.3
Signal Breakdown — 10 Categories
Vacancy
41.1
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
57.0
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
41.1%
Bank Score
57.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 76866 | 43.3 | 25.5 | 0.0 | — |
| County 48095 | 43.1 | 24.8 | 0.0 | — |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76837 | 40.3 | OVERHEATED | VACANCY | — | 25 |
| 76858 | 39.6 | OVERHEATED | VACANCY | — | 31 |
| 76875 | 37.4 | OVERHEATED | VACANCY | — | 19 |
| 76836 | 36.9 | OVERHEATED | VACANCY | — | 23 |
| 76862 | 33.5 | EARLY_SIGNAL | VACANCY | — | 15 |
| 76955 | 29.1 | WEAK | VACANCY | — | 12 |
| 76937 | 28.0 | WEAK | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/76866
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.