ZIP
78638
TX · County 48187 · pop 2,064 (population)
32.4
Opportunity Index
EARLY_SIGNALNational rank #16130
Why This ZIP
ZIP 78638 ranks #16130 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 40.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78638 — 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 48187 — ZIP 78638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48187 — ZIP 78638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48187 — ZIP 78638 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 | 34.4 |
| Property Stress | 15.0 |
| Vacancy | 14.2 |
▼ Top 3 Risk Signals
| Construction Pressure | 66.3 |
| Bank Institutional | 29.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#16130
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp40.9
Pulse score26.7
Signal Breakdown — 10 Categories
Vacancy
14.2
Auction / REO
—
Construction Pressure
66.3
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
34.4
Bank Institutional
29.5
Insurance Distress
0.0
Foreclosure / Delinquency
8.0
Top-Line Metrics
Avg DOM (days)
40.0
Price Cut %
1.0%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
14.2%
Bank Score
29.5
Insurance Score
0.0
Listings Discount
34.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78638 | 26.7 | 12.8 | 0.0 | 34.4 |
| County 48187 | 32.6 | 14.7 | 0.0 | 39.2 |
| 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 |
|---|---|---|---|---|---|
| 78140 | 40.3 | OVERHEATED | VACANCY | — | 33 |
| 78108 | 37.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 49 | 15 |
| 78121 | 36.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 19 |
| 78154 | 36.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 43 | 19 |
| 78124 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 42 | 15 |
| 78130 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 16 |
| 78155 | 33.7 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 14 |
| 78666 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 20 |
| 78132 | 32.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 32 | 19 |
| 78123 | 31.0 | EARLY_SIGNAL | VACANCY | — | 14 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.