ZIP
78615
TX · County 48491 · pop 1,540 (population)
33.1
Opportunity Index
EARLY_SIGNALNational rank #14282
Why This ZIP
ZIP 78615 ranks #14282 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 30.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 78615 — 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 48491 — ZIP 78615 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48491 — ZIP 78615 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48491 — ZIP 78615 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 | 19.0 |
| Property Stress | 18.0 |
| Vacancy | 4.7 |
▼ Top 3 Risk Signals
| Construction Pressure | 74.5 |
| Bank Institutional | 65.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#14282
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp30.6
Pulse score34.8
Signal Breakdown — 10 Categories
Vacancy
4.7
Auction / REO
—
Construction Pressure
74.5
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
65.0
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
4.7%
Bank Score
65.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78615 | 34.8 | 19.4 | 0.0 | — |
| County 48491 | 32.2 | 16.1 | 0.0 | 35.5 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76530 | 39.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 15 |
| 76577 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 44 | 19 |
| 76537 | 37.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 15 |
| 76511 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 15 |
| 78727 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 24 |
| 78641 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 21 |
| 76578 | 35.4 | WATCHLIST | VACANCY | 43 | 15 |
| 78750 | 35.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 22 |
| 78634 | 35.3 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 15 |
| 78626 | 34.4 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 15 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/78615
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.