ZIP
78640
TX · County 48209 · pop 71,460 (population)
35.4
Opportunity Index
WATCHLISTNational rank #8700
Why This ZIP
ZIP 78640 ranks #8700 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78640 — 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 48209 — ZIP 78640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48209 — ZIP 78640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48209 — ZIP 78640 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 | 38.1 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 20.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.7 |
| Construction Pressure | 56.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8700
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.3
Pulse score33.4
Signal Breakdown — 10 Categories
Vacancy
3.5
Auction / REO
—
Construction Pressure
56.6
FL Deep Bonus
—
Property Stress
20.0
HOA / Federal Liens
—
Listings Discount
38.1
Bank Institutional
59.7
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
83.8
Price Cut %
7.1%
Short-Sale Listings
48
Auction Events 90d
—
Vacancy %
3.5%
Bank Score
59.7
Insurance Score
0.0
Listings Discount
38.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78640 | 33.4 | 23.1 | 0.0 | 38.1 |
| County 48209 | 33.2 | 24.1 | 0.0 | 33.2 |
| 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 |
|---|---|---|---|---|---|
| 78737 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 23 |
| 78610 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 22 |
| 78676 | 36.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 22 |
| 78736 | 35.7 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 31 | 24 |
| 78623 | 34.6 | WATCHLIST | VACANCY | 41 | 19 |
| 78652 | 34.3 | WATCHLIST | LISTINGS_DISCOUNT | 38 | 23 |
| 78130 | 33.8 | WATCHLIST | BANK_INSTITUTIONAL | 37 | 16 |
| 78619 | 33.6 | WATCHLIST | LISTINGS_DISCOUNT | 37 | 22 |
| 78666 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 20 |
| 78663 | 32.8 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.