ZIP
78656
TX · County 48055 · pop 2,953 (population)
31.9
Opportunity Index
EARLY_SIGNALNational rank #17508
Why This ZIP
ZIP 78656 ranks #17508 nationally with phase EARLY_SIGNAL. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 44.4, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78656 — 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 48055 — ZIP 78656 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48055 — ZIP 78656 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48055 — ZIP 78656 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 | 46.6 |
| Property Stress | 9.0 |
| Foreclosure / Delinquency | 7.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 75.9 |
| Bank Institutional | 30.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#17508
PhaseEARLY_SIGNAL
Primary driverLISTINGS_DISCOUNT
Capital opp44.4
Pulse score23.6
Signal Breakdown — 10 Categories
Vacancy
1.1
Auction / REO
—
Construction Pressure
75.9
FL Deep Bonus
—
Property Stress
9.0
HOA / Federal Liens
—
Listings Discount
46.6
Bank Institutional
30.5
Insurance Distress
0.0
Foreclosure / Delinquency
7.0
Top-Line Metrics
Avg DOM (days)
119.2
Price Cut %
17.5%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
1.1%
Bank Score
30.5
Insurance Score
0.0
Listings Discount
46.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78656 | 23.6 | 9.2 | 0.0 | 46.6 |
| County 48055 | 28.7 | 12.9 | 0.0 | 33.9 |
| 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 |
|---|---|---|---|---|---|
| 78632 | 36.7 | OVERHEATED | VACANCY | — | 27 |
| 78610 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 22 |
| 78959 | 35.6 | EARLY_SIGNAL | VACANCY | — | 25 |
| 78640 | 35.4 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 20 |
| 78666 | 33.2 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 20 |
| 78953 | 31.7 | EARLY_SIGNAL | VACANCY | 37 | 8 |
| 78662 | 31.5 | EARLY_SIGNAL | LISTINGS_DISCOUNT | 50 | 8 |
| 78616 | 31.4 | EARLY_SIGNAL | VACANCY | 41 | 9 |
| 78644 | 31.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 33 | 9 |
| 78648 | 29.3 | WEAK | BANK_INSTITUTIONAL | 23 | 12 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78656
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.