ZIP
78641
TX · County 48453 · pop 93,399 (population)
35.7
Opportunity Index
WATCHLISTNational rank #8084
Why This ZIP
ZIP 78641 ranks #8084 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78641 — 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 48453 — ZIP 78641 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48453 — ZIP 78641 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48453 — ZIP 78641 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 | 38.2 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 21.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 70.6 |
| Bank Institutional | 55.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8084
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp39.0
Pulse score33.5
Signal Breakdown — 10 Categories
Vacancy
2.6
Auction / REO
—
Construction Pressure
70.6
FL Deep Bonus
—
Property Stress
21.0
HOA / Federal Liens
—
Listings Discount
38.2
Bank Institutional
55.2
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
72.8
Price Cut %
11.6%
Short-Sale Listings
26
Auction Events 90d
—
Vacancy %
2.6%
Bank Score
55.2
Insurance Score
0.0
Listings Discount
38.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78641 | 33.5 | 23.0 | 0.0 | 38.2 |
| County 48453 | 34.1 | 26.9 | 0.0 | 29.4 |
| 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 |
|---|---|---|---|---|---|
| 78645 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 38 | 24 |
| 78669 | 38.3 | OVERHEATED | VACANCY | 32 | 24 |
| 78653 | 37.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 24 |
| 78654 | 37.0 | OVERHEATED | VACANCY | 28 | 25 |
| 78701 | 36.9 | OVERHEATED | BANK_INSTITUTIONAL | 36 | 24 |
| 78660 | 36.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 24 |
| 78725 | 36.8 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 46 | 24 |
| 78727 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 36 | 24 |
| 78732 | 36.4 | OVERHEATED | BANK_INSTITUTIONAL | 36 | 24 |
| 78730 | 36.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 24 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78641
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.