ZIP
78620
TX · County 48209 · pop 20,624 (population)
31.7
Opportunity Index
EARLY_SIGNALNational rank #18029
Why This ZIP
ZIP 78620 ranks #18029 nationally with phase EARLY_SIGNAL. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 31.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78620 — 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 48209 — ZIP 78620 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48209 — ZIP 78620 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48209 — ZIP 78620 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 | 32.0 |
| Property Stress | 22.0 |
| Listings Discount | 20.5 |
▼ Top 3 Risk Signals
| Construction Pressure | 58.5 |
| Bank Institutional | 57.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#18029
PhaseEARLY_SIGNAL
Primary driverBANK_INSTITUTIONAL
Capital opp31.2
Pulse score32.0
Signal Breakdown — 10 Categories
Vacancy
5.0
Auction / REO
—
Construction Pressure
58.5
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
20.5
Bank Institutional
57.2
Insurance Distress
0.0
Foreclosure / Delinquency
32.0
Top-Line Metrics
Avg DOM (days)
102.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
5.0%
Bank Score
57.2
Insurance Score
0.0
Listings Discount
20.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78620 | 32.0 | 25.8 | 0.0 | 20.5 |
| County 48209 | 33.2 | 24.1 | 0.0 | 33.2 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 78737 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 23 |
| 78676 | 36.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 22 |
| 78610 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 22 |
| 78736 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 24 |
| 78640 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 20 |
| 78623 | 34.6 | WATCHLIST | VACANCY | 41 | 19 |
| 78652 | 34.3 | WATCHLIST | LISTINGS_DISCOUNT | 38 | 23 |
| 78130 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 16 |
| 78619 | 33.6 | WATCHLIST | LISTINGS_DISCOUNT | 37 | 22 |
| 78666 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 20 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78620
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.