ZIP
77845
TX · County 48041 · pop 74,612 (population)
33.6
Opportunity Index
EARLY_SIGNALNational rank #12999
Why This ZIP
ZIP 77845 ranks #12999 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 77845 — 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 48041 — ZIP 77845 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48041 — ZIP 77845 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48041 — ZIP 77845 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 | 32.2 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 13.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 50.7 |
| Insurance Distress | 44.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal Liens
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#12999
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp37.9
Pulse score30.7
Signal Breakdown — 10 Categories
Vacancy
8.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
32.2
Bank Institutional
50.7
Insurance Distress
44.0
Foreclosure / Delinquency
13.0
Top-Line Metrics
Avg DOM (days)
42.1
Price Cut %
3.5%
Short-Sale Listings
6
Auction Events 90d
—
Vacancy %
8.4%
Bank Score
50.7
Insurance Score
44.0
Listings Discount
32.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77845 | 30.7 | 16.7 | 44.0 | 32.2 |
| County 48041 | 30.5 | 17.2 | 42.6 | 24.7 |
| 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 |
|---|---|---|---|---|---|
| 77859 | 45.2 | STRONG_BUY | VACANCY | 47 | 47 |
| 77803 | 34.7 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 25 |
| 77808 | 33.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 29 |
| 77802 | 32.8 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 29 | 25 |
| 77807 | 32.7 | EARLY_SIGNAL | VACANCY | 18 | 28 |
| 77868 | 32.7 | EARLY_SIGNAL | VACANCY | 30 | 25 |
| 77801 | 32.0 | EARLY_SIGNAL | VACANCY | — | 25 |
| 77840 | 30.6 | WEAK | VACANCY | 16 | 25 |
| 77843 | 25.9 | WEAK | BANK_INSTITUTIONAL | — | 15 |
| 77866 | 25.9 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77845
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.