ZIP
78654
TX · County 48053 · pop 19,946 (population)
37.0
Opportunity Index
OVERHEATEDNational rank #5703
Why This ZIP
ZIP 78654 ranks #5703 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 35.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78654 — 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 48053 — ZIP 78654 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48053 — ZIP 78654 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48053 — ZIP 78654 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 | 32.0 |
| Listings Discount | 28.2 |
| Property Stress | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 68.4 |
| Bank Institutional | 52.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#5703
PhaseOVERHEATED
Primary driverVACANCY
Capital opp35.9
Pulse score37.7
Signal Breakdown — 10 Categories
Vacancy
19.1
Auction / REO
—
Construction Pressure
68.4
FL Deep Bonus
—
Property Stress
25.0
HOA / Federal Liens
—
Listings Discount
28.2
Bank Institutional
52.6
Insurance Distress
0.0
Foreclosure / Delinquency
32.0
Top-Line Metrics
Avg DOM (days)
87.5
Price Cut %
11.3%
Short-Sale Listings
4
Auction Events 90d
—
Vacancy %
19.1%
Bank Score
52.6
Insurance Score
0.0
Listings Discount
28.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78654 | 37.7 | 26.8 | 0.0 | 28.2 |
| County 48053 | 39.3 | 26.7 | 0.0 | 36.3 |
| 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 |
|---|---|---|---|---|---|
| 76550 | 43.7 | STRONG_BUY | VACANCY | 48 | 30 |
| 76539 | 42.1 | STRONG_BUY | VACANCY | 49 | 31 |
| 78611 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 37 | 26 |
| 78605 | 39.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 26 |
| 78639 | 39.8 | OVERHEATED | VACANCY | 33 | 30 |
| 78657 | 39.1 | OVERHEATED | VACANCY | 30 | 29 |
| 78669 | 38.3 | OVERHEATED | VACANCY | 32 | 24 |
| 76549 | 36.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 16 |
| 76527 | 34.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 15 |
| 78642 | 34.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 15 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78654
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.