ZIP
78629
TX · County 48177 · pop 12,380 (population)
38.9
Opportunity Index
OVERHEATEDNational rank #3251
Why This ZIP
ZIP 78629 ranks #3251 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 39.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78629 — 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 48177 — ZIP 78629 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48177 — ZIP 78629 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48177 — ZIP 78629 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 | 58.0 |
| Property Stress | 40.0 |
| Listings Discount | 32.1 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.3 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3251
PhaseOVERHEATED
Primary driverVACANCY
Capital opp39.8
Pulse score38.3
Signal Breakdown — 10 Categories
Vacancy
12.4
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
40.0
HOA / Federal Liens
—
Listings Discount
32.1
Bank Institutional
55.3
Insurance Distress
0.0
Foreclosure / Delinquency
58.0
Top-Line Metrics
Avg DOM (days)
78.1
Price Cut %
3.9%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
12.4%
Bank Score
55.3
Insurance Score
0.0
Listings Discount
32.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78629 | 38.3 | 44.9 | 0.0 | 32.1 |
| County 48177 | 38.1 | 39.6 | 0.0 | 25.9 |
| 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 |
|---|---|---|---|---|---|
| 77984 | 44.5 | STRONG_BUY | VACANCY | 54 | 31 |
| 78159 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 40 | 40 |
| 78140 | 40.3 | OVERHEATED | VACANCY | — | 33 |
| 77954 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 48 | 23 |
| 78941 | 36.9 | OVERHEATED | VACANCY | — | 24 |
| 78632 | 36.7 | OVERHEATED | VACANCY | — | 27 |
| 78959 | 35.6 | EARLY_SIGNAL | VACANCY | — | 25 |
| 78614 | 33.8 | EARLY_SIGNAL | VACANCY | — | 29 |
| 78638 | 32.4 | EARLY_SIGNAL | VACANCY | 34 | 15 |
| 78122 | 32.3 | EARLY_SIGNAL | VACANCY | — | 29 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78629
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.