ZIP
78657
TX · County 48299 · pop 7,061 (population)
39.1
Opportunity Index
OVERHEATEDNational rank #3010
Why This ZIP
ZIP 78657 ranks #3010 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 37.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78657 — 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 48299 — ZIP 78657 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48299 — ZIP 78657 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48299 — ZIP 78657 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
| Vacancy | 40.2 |
| Foreclosure / Delinquency | 38.0 |
| Listings Discount | 30.5 |
▼ Top 3 Risk Signals
| Construction Pressure | 67.8 |
| Bank Institutional | 54.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3010
PhaseOVERHEATED
Primary driverVACANCY
Capital opp37.1
Pulse score40.4
Signal Breakdown — 10 Categories
Vacancy
40.2
Auction / REO
—
Construction Pressure
67.8
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
30.5
Bank Institutional
54.4
Insurance Distress
0.0
Foreclosure / Delinquency
38.0
Top-Line Metrics
Avg DOM (days)
128.7
Price Cut %
16.4%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
40.2%
Bank Score
54.4
Insurance Score
0.0
Listings Discount
30.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78657 | 40.4 | 31.5 | 0.0 | 30.5 |
| County 48299 | 40.6 | 32.6 | 0.0 | 33.5 |
| TX state avg | 32.2 | 17.9 | 0.6 | 31.7 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 78609 | 40.5 | OVERHEATED | VACANCY | 35 | 31 |
| 78643 | 40.1 | OVERHEATED | VACANCY | 36 | 31 |
| 78611 | 39.8 | PEAK_OPPORTUNITY | VACANCY | 37 | 26 |
| 78639 | 39.8 | OVERHEATED | VACANCY | 33 | 30 |
| 78607 | 39.5 | PEAK_OPPORTUNITY | VACANCY | 40 | 31 |
| 78672 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 38 | 31 |
| 76885 | 33.0 | EARLY_SIGNAL | VACANCY | — | 21 |
| 76869 | 31.1 | EARLY_SIGNAL | VACANCY | — | 16 |
| 76831 | 30.0 | WEAK | BANK_INSTITUTIONAL | — | 21 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78657
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.