ZIP
77986
TX · County 48285 · pop 0 (equal)
30.2
Opportunity Index
WEAKNational rank #21989
Why This ZIP
ZIP 77986 ranks #21989 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 37.9, signal coverage 5/10 (63% data coverage, MEDIUM confidence).
ZIP 77986 — 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 48285 — ZIP 77986 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48285 — ZIP 77986 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48285 — ZIP 77986 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 | 36.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 68.2 |
| Bank Institutional | 28.5 |
⚠ Missing Data
VacancyAuction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 63%
Confidence: MEDIUM
⇅ Rank
National rank#21989
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp37.9
Pulse score25.1
Signal Breakdown — 10 Categories
Vacancy
—
Auction / REO
—
Construction Pressure
68.2
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
28.5
Insurance Distress
0.0
Foreclosure / Delinquency
36.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
—%
Bank Score
28.5
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 77986 | 25.1 | 21.6 | 0.0 | — |
| County 48285 | 41.1 | 28.5 | 0.0 | 22.7 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 77984 | 44.5 | STRONG_BUY | VACANCY | 54 | 31 |
| 77975 | 41.6 | STRONG_BUY | VACANCY | 44 | 26 |
| 77995 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 42 | 24 |
| 78956 | 38.8 | OVERHEATED | VACANCY | — | 23 |
| 77964 | 38.0 | OVERHEATED | VACANCY | — | 26 |
| 78941 | 36.9 | OVERHEATED | VACANCY | — | 24 |
| 77987 | 36.0 | EARLY_SIGNAL | VACANCY | — | 26 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/77986
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.