ZIP
77581
TX · County 48039 · pop 50,240 (population)
37.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #4834
Why This ZIP
ZIP 77581 ranks #4834 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 42.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 77581 — 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 48039 — ZIP 77581 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48039 — ZIP 77581 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48039 — ZIP 77581 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 | 47.0 |
| Property Stress | 21.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 75.6 |
| Bank Institutional | 54.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4834
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp42.2
Pulse score34.5
Signal Breakdown — 10 Categories
Vacancy
3.0
Auction / REO
—
Construction Pressure
75.6
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
47.0
Bank Institutional
54.4
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
96.8
Price Cut %
31.0%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
3.0%
Bank Score
54.4
Insurance Score
0.0
Listings Discount
47.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77581 | 34.5 | 20.6 | 0.0 | 47.0 |
| County 48039 | 36.3 | 20.3 | 0.0 | 46.6 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 77541 | 42.7 | STRONG_BUY | VACANCY | 51 | 20 |
| 77422 | 42.3 | STRONG_BUY | VACANCY | 52 | 20 |
| 77480 | 40.5 | PEAK_OPPORTUNITY | VACANCY | 48 | 21 |
| 77515 | 39.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 51 | 20 |
| 77578 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 51 | 20 |
| 77486 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 46 | 20 |
| 77566 | 38.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 20 |
| 77583 | 38.5 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 51 | 20 |
| 77511 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 41 | 21 |
| 77584 | 38.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77581
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.