ZIP
78040
TX · County 48479 · pop 36,115 (population)
38.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #3579
Why This ZIP
ZIP 78040 ranks #3579 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 39.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78040 — 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 48479 — ZIP 78040 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48479 — ZIP 78040 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48479 — ZIP 78040 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 | 38.2 |
| Property Stress | 21.0 |
| Vacancy | 15.7 |
▼ Top 3 Risk Signals
| Construction Pressure | 68.0 |
| Bank Institutional | 48.1 |
| Insurance Distress | 43.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal Liens
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3579
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp39.9
Pulse score37.7
Signal Breakdown — 10 Categories
Vacancy
15.7
Auction / REO
—
Construction Pressure
68.0
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
38.2
Bank Institutional
48.1
Insurance Distress
43.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
168.3
Price Cut %
20.0%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
15.7%
Bank Score
48.1
Insurance Score
43.0
Listings Discount
38.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78040 | 37.7 | 17.1 | 43.0 | 38.2 |
| County 48479 | 36.7 | 17.1 | 42.8 | 44.1 |
| 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 |
|---|---|---|---|---|---|
| 78344 | 43.0 | STRONG_BUY | VACANCY | 58 | 21 |
| 78046 | 40.7 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 53 | 21 |
| 78043 | 40.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 21 |
| 78045 | 39.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 21 |
| 78369 | 35.6 | EARLY_SIGNAL | VACANCY | — | 21 |
| 78041 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 26 | 21 |
| 78019 | 33.4 | EARLY_SIGNAL | VACANCY | — | 21 |
| 78044 | 32.1 | EARLY_SIGNAL | VACANCY | — | 11 |
| 78371 | 32.1 | EARLY_SIGNAL | VACANCY | — | 11 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78040
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.