ZIP
78012
TX · County 48013 · pop 364 (population)
33.2
Opportunity Index
EARLY_SIGNALNational rank #14011
Why This ZIP
ZIP 78012 ranks #14011 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 37.0, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 78012 — 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 48013 — ZIP 78012 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48013 — ZIP 78012 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48013 — ZIP 78012 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
| Vacancy | 37.0 |
| Foreclosure / Delinquency | 20.0 |
| Property Stress | 18.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 69.3 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14011
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp37.0
Pulse score30.6
Signal Breakdown — 10 Categories
Vacancy
37.0
Auction / REO
—
Construction Pressure
69.3
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
37.0%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78012 | 30.6 | 18.2 | 0.0 | — |
| County 48013 | 35.4 | 18.6 | 0.0 | 44.4 |
| 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 |
|---|---|---|---|---|---|
| 78069 | 42.8 | STRONG_BUY | BANK_INSTITUTIONAL | 62 | 19 |
| 78118 | 42.1 | STRONG_BUY | VACANCY | 59 | 16 |
| 78026 | 41.6 | STRONG_BUY | BANK_INSTITUTIONAL | 57 | 18 |
| 78073 | 40.6 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 57 | 22 |
| 78052 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 18 |
| 78264 | 37.7 | PEAK_OPPORTUNITY | VACANCY | 44 | 22 |
| 78114 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 21 |
| 78065 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 48 | 18 |
| 78064 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 18 |
| 78011 | 36.2 | EARLY_SIGNAL | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78012
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.