ZIP
78636
TX · County 48031 · pop 3,842 (population)
37.5
Opportunity Index
OVERHEATEDNational rank #4955
Why This ZIP
ZIP 78636 ranks #4955 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 33.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78636 — 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 48031 — ZIP 78636 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48031 — ZIP 78636 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48031 — ZIP 78636 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 | 33.0 |
| Listings Discount | 28.1 |
| Property Stress | 24.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.0 |
| Bank Institutional | 64.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4955
PhaseOVERHEATED
Primary driverVACANCY
Capital opp33.1
Pulse score40.5
Signal Breakdown — 10 Categories
Vacancy
22.0
Auction / REO
—
Construction Pressure
70.0
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
28.1
Bank Institutional
64.7
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
9.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
22.0%
Bank Score
64.7
Insurance Score
0.0
Listings Discount
28.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78636 | 40.5 | 26.2 | 0.0 | 28.1 |
| County 48031 | 36.8 | 25.0 | 0.0 | 28.4 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 78669 | 38.3 | OVERHEATED | VACANCY | 32 | 24 |
| 78676 | 36.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 22 |
| 78606 | 34.8 | EARLY_SIGNAL | VACANCY | 29 | 23 |
| 78070 | 33.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 19 |
| 78635 | 33.2 | EARLY_SIGNAL | VACANCY | — | 17 |
| 78663 | 32.8 | EARLY_SIGNAL | VACANCY | — | 23 |
| 78620 | 31.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 20 | 22 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78636
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.