ZIP
77640
TX · County 48245 · pop 17,480 (population)
41.4
Opportunity Index
STRONG_BUYNational rank #1271
Why This ZIP
ZIP 77640 ranks #1271 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 40.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 77640 — 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 48245 — ZIP 77640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48245 — ZIP 77640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48245 — ZIP 77640 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 | 47.1 |
| Vacancy | 22.4 |
| Property Stress | 22.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 78.1 |
| Bank Institutional | 63.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1271
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp40.7
Pulse score41.9
Signal Breakdown — 10 Categories
Vacancy
22.4
Auction / REO
—
Construction Pressure
78.1
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
47.1
Bank Institutional
63.1
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
77.5
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
22.4%
Bank Score
63.1
Insurance Score
0.0
Listings Discount
47.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77640 | 41.9 | 20.9 | 0.0 | 47.1 |
| County 48245 | 37.2 | 20.9 | 0.0 | 32.4 |
| 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 |
|---|---|---|---|---|---|
| 77705 | 42.0 | STRONG_BUY | VACANCY | 50 | 22 |
| 77701 | 41.2 | STRONG_BUY | VACANCY | 48 | 22 |
| 77665 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 56 | 18 |
| 77627 | 39.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 22 |
| 77713 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 43 | 22 |
| 77642 | 36.6 | OVERHEATED | VACANCY | 33 | 22 |
| 77707 | 36.1 | EARLY_SIGNAL | VACANCY | 31 | 22 |
| 77619 | 35.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 22 |
| 77655 | 34.7 | EARLY_SIGNAL | VACANCY | — | 22 |
| 77708 | 34.5 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 22 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.