ZIP
78538
TX · County 48215 · pop 10,740 (population)
37.2
Opportunity Index
OVERHEATEDNational rank #5428
Why This ZIP
ZIP 78538 ranks #5428 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 34.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78538 — 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 48215 — ZIP 78538 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48215 — ZIP 78538 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48215 — ZIP 78538 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 | 33.7 |
| Property Stress | 25.0 |
| Foreclosure / Delinquency | 20.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 70.5 |
| Construction Pressure | 62.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5428
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp34.4
Pulse score39.1
Signal Breakdown — 10 Categories
Vacancy
11.9
Auction / REO
—
Construction Pressure
62.5
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
33.7
Bank Institutional
70.5
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
11.9%
Bank Score
70.5
Insurance Score
0.0
Listings Discount
33.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78538 | 39.1 | 22.2 | 0.0 | 33.7 |
| County 48215 | 37.8 | 22.2 | 0.0 | 47.9 |
| 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 |
|---|---|---|---|---|---|
| 78596 | 43.5 | STRONG_BUY | VACANCY | 57 | 25 |
| 78516 | 42.7 | STRONG_BUY | VACANCY | 55 | 25 |
| 78537 | 41.9 | STRONG_BUY | VACANCY | 53 | 25 |
| 78589 | 41.8 | STRONG_BUY | LISTINGS_DISCOUNT | 58 | 25 |
| 78570 | 41.5 | STRONG_BUY | VACANCY | 48 | 25 |
| 78595 | 41.3 | STRONG_BUY | LISTINGS_DISCOUNT | 61 | 25 |
| 78577 | 41.2 | STRONG_BUY | VACANCY | 53 | 25 |
| 78574 | 41.1 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 25 |
| 78542 | 41.0 | STRONG_BUY | BANK_INSTITUTIONAL | 53 | 25 |
| 78599 | 40.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 25 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78538
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.