ZIP
78631
TX · County 48267 · pop 3,357 (population)
34.9
Opportunity Index
EARLY_SIGNALNational rank #9841
Why This ZIP
ZIP 78631 ranks #9841 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 28.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78631 — 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 48267 — ZIP 78631 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48267 — ZIP 78631 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48267 — ZIP 78631 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 | 37.0 |
| Property Stress | 29.0 |
| Vacancy | 21.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 63.3 |
| Construction Pressure | 53.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9841
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp28.6
Pulse score39.1
Signal Breakdown — 10 Categories
Vacancy
21.0
Auction / REO
—
Construction Pressure
53.8
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
13.7
Bank Institutional
63.3
Insurance Distress
0.0
Foreclosure / Delinquency
37.0
Top-Line Metrics
Avg DOM (days)
79.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
21.0%
Bank Score
63.3
Insurance Score
0.0
Listings Discount
13.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78631 | 39.1 | 32.0 | 0.0 | 13.7 |
| County 48267 | 38.1 | 28.4 | 0.0 | 32.0 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (5)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 76849 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 47 | 26 |
| 76859 | 34.4 | EARLY_SIGNAL | VACANCY | — | 27 |
| 76854 | 32.0 | EARLY_SIGNAL | VACANCY | — | 26 |
| 76841 | 27.7 | WEAK | VACANCY | — | 15 |
| 76874 | 25.3 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78631
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.