ZIP
78109
TX · County 48029 · pop 56,372 (population)
38.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #3251
Why This ZIP
ZIP 78109 ranks #3251 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78109 — 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 48029 — ZIP 78109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48029 — ZIP 78109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48029 — ZIP 78109 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 | 49.3 |
| Foreclosure / Delinquency | 24.0 |
| Property Stress | 22.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 77.7 |
| Bank Institutional | 56.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3251
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp43.3
Pulse score35.9
Signal Breakdown — 10 Categories
Vacancy
1.8
Auction / REO
—
Construction Pressure
77.7
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
49.3
Bank Institutional
56.7
Insurance Distress
0.0
Foreclosure / Delinquency
24.0
Top-Line Metrics
Avg DOM (days)
95.4
Price Cut %
11.5%
Short-Sale Listings
26
Auction Events 90d
—
Vacancy %
1.8%
Bank Score
56.7
Insurance Score
0.0
Listings Discount
49.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78109 | 35.9 | 22.9 | 0.0 | 49.3 |
| County 48029 | 35.4 | 22.7 | 0.0 | 36.6 |
| 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 |
| 78221 | 41.0 | STRONG_BUY | VACANCY | 51 | 22 |
| 78224 | 40.9 | STRONG_BUY | BANK_INSTITUTIONAL | 53 | 22 |
| 78073 | 40.6 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 57 | 22 |
| 78052 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 18 |
| 78254 | 40.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 50 | 22 |
| 78210 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 41 | 22 |
| 78211 | 39.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 45 | 22 |
| 78242 | 39.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 22 |
| 78015 | 39.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 22 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.