ZIP
78634
TX · County 48491 · pop 43,466 (population)
35.0
Opportunity Index
WATCHLISTNational rank #9587
Why This ZIP
ZIP 78634 ranks #9587 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78634 — 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 78634 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48491 — ZIP 78634 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48491 — ZIP 78634 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
| Listings Discount | 42.4 |
| Property Stress | 14.0 |
| Foreclosure / Delinquency | 12.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 84.1 |
| Bank Institutional | 59.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9587
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.4
Pulse score32.8
Signal Breakdown — 10 Categories
Vacancy
2.5
Auction / REO
—
Construction Pressure
84.1
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
42.4
Bank Institutional
59.0
Insurance Distress
0.0
Foreclosure / Delinquency
12.0
Top-Line Metrics
Avg DOM (days)
104.2
Price Cut %
9.8%
Short-Sale Listings
23
Auction Events 90d
—
Vacancy %
2.5%
Bank Score
59.0
Insurance Score
0.0
Listings Discount
42.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78634 | 32.8 | 14.8 | 0.0 | 42.4 |
| County 48491 | 32.0 | 15.9 | 0.0 | 35.4 |
| 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 |
|---|---|---|---|---|---|
| 76530 | 39.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 52 | 14 |
| 76577 | 38.0 | PEAK_OPPORTUNITY | VACANCY | 44 | 19 |
| 76537 | 37.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 14 |
| 76511 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 15 |
| 78727 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 36 | 24 |
| 78641 | 35.7 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 21 |
| 78750 | 35.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 22 |
| 76578 | 35.2 | WATCHLIST | VACANCY | 43 | 14 |
| 78626 | 34.2 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 14 |
| 76527 | 34.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78634
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.