ZIP
77865
TX · County 48289 · pop 1,818 (population)
36.6
Opportunity Index
OVERHEATEDNational rank #6399
Why This ZIP
ZIP 77865 ranks #6399 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 41.1, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 77865 — 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 48289 — ZIP 77865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48289 — ZIP 77865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48289 — ZIP 77865 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 | 48.0 |
| Property Stress | 37.0 |
| Vacancy | 36.4 |
▼ Top 3 Risk Signals
| Bank Institutional | 31.5 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#6399
PhaseOVERHEATED
Primary driverVACANCY
Capital opp41.1
Pulse score33.6
Signal Breakdown — 10 Categories
Vacancy
36.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
37.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
48.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
36.4%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77865 | 33.6 | 40.2 | 0.0 | — |
| County 48289 | 39.7 | 37.3 | 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 (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 75833 | 44.3 | STRONG_BUY | VACANCY | 53 | 37 |
| 75831 | 44.1 | STRONG_BUY | VACANCY | 58 | 33 |
| 77871 | 40.8 | STRONG_BUY | VACANCY | 43 | 32 |
| 75855 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 38 | 31 |
| 75846 | 38.0 | OVERHEATED | VACANCY | — | 34 |
| 75850 | 36.6 | OVERHEATED | VACANCY | — | 37 |
| 77855 | 32.0 | EARLY_SIGNAL | VACANCY | — | 24 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.