ZIP
78609
TX · County 48299 · pop 1,826 (population)
40.5
Opportunity Index
OVERHEATEDNational rank #1785
Why This ZIP
ZIP 78609 ranks #1785 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 36.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78609 — 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 48299 — ZIP 78609 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48299 — ZIP 78609 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48299 — ZIP 78609 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 | 41.0 |
| Listings Discount | 34.6 |
| Property Stress | 31.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.9 |
| Construction Pressure | 44.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1785
PhaseOVERHEATED
Primary driverVACANCY
Capital opp36.3
Pulse score43.3
Signal Breakdown — 10 Categories
Vacancy
27.5
Auction / REO
—
Construction Pressure
44.2
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
34.6
Bank Institutional
68.9
Insurance Distress
0.0
Foreclosure / Delinquency
41.0
Top-Line Metrics
Avg DOM (days)
170.3
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
27.5%
Bank Score
68.9
Insurance Score
0.0
Listings Discount
34.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78609 | 43.3 | 33.7 | 0.0 | 34.6 |
| County 48299 | 40.6 | 32.6 | 0.0 | 33.5 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 78643 | 40.1 | OVERHEATED | VACANCY | 36 | 31 |
| 78639 | 39.8 | OVERHEATED | VACANCY | 33 | 30 |
| 78611 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 37 | 26 |
| 78607 | 39.5 | PEAK_OPPORTUNITY | VACANCY | 40 | 31 |
| 78657 | 39.1 | OVERHEATED | VACANCY | 30 | 29 |
| 78672 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 38 | 31 |
| 76885 | 33.0 | EARLY_SIGNAL | VACANCY | — | 21 |
| 76869 | 31.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 76831 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78609
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.