ZIP
77856
TX · County 48395 · pop 4,832 (population)
48.1
Opportunity Index
STRONG_BUYNational rank #91
Why This ZIP
ZIP 77856 ranks #91 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 45.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 77856 — 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 48395 — ZIP 77856 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48395 — ZIP 77856 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48395 — ZIP 77856 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
| Foreclosure / Delinquency | 68.0 |
| Property Stress | 52.0 |
| Vacancy | 38.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 49.7 |
| Insurance Distress | 25.0 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal Liens
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#91
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp45.3
Pulse score49.9
Signal Breakdown — 10 Categories
Vacancy
38.2
Auction / REO
—
Construction Pressure
—
FL Deep Bonus
—
Property Stress
52.0
HOA / Federal Liens
—
Listings Discount
37.2
Bank Institutional
49.7
Insurance Distress
25.0
Foreclosure / Delinquency
68.0
Top-Line Metrics
Avg DOM (days)
31.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
38.2%
Bank Score
49.7
Insurance Score
25.0
Listings Discount
37.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77856 | 49.9 | 52.2 | 25.0 | 37.2 |
| County 48395 | 44.5 | 42.7 | 27.1 | 39.5 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 77837 | 54.5 | STRONG_BUY | VACANCY | 60 | 52 |
| 76629 | 52.4 | STRONG_BUY | VACANCY | 49 | 50 |
| 77859 | 45.2 | STRONG_BUY | VACANCY | 47 | 47 |
| 77867 | 45.0 | OVERHEATED | VACANCY | — | 52 |
| 76653 | 41.1 | STRONG_BUY | BANK_INSTITUTIONAL | 45 | 31 |
| 77882 | 40.1 | OVERHEATED | VACANCY | — | 39 |
| 76687 | 37.8 | PEAK_OPPORTUNITY | VACANCY | 41 | 27 |
| 77808 | 33.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 27 | 29 |
| 77807 | 32.7 | EARLY_SIGNAL | VACANCY | 18 | 28 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77856
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.