ZIP
78728
TX · County 48453 · pop 26,776 (population)
30.2
Opportunity Index
WEAKNational rank #21999
Why This ZIP
ZIP 78728 ranks #21999 nationally with phase WEAK. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 24.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78728 — 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 78728 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48453 — ZIP 78728 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48453 — ZIP 78728 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 | 28.0 |
| Property Stress | 22.0 |
| Listings Discount | 9.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 68.9 |
| Bank Institutional | 67.1 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#21999
PhaseWEAK
Primary driverBANK_INSTITUTIONAL
Capital opp24.6
Pulse score33.9
Signal Breakdown — 10 Categories
Vacancy
6.7
Auction / REO
—
Construction Pressure
68.9
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
9.0
Bank Institutional
67.1
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
149.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
6.7%
Bank Score
67.1
Insurance Score
0.0
Listings Discount
9.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78728 | 33.9 | 25.1 | 0.0 | 9.0 |
| County 48453 | 34.2 | 27.0 | 0.0 | 29.5 |
| TX state avg | 32.3 | 18.2 | 0.6 | 31.8 |
| 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 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 24 |
| 78654 | 37.0 | OVERHEATED | VACANCY | 28 | 25 |
| 78660 | 36.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 24 |
| 78701 | 36.9 | OVERHEATED | BANK_INSTITUTIONAL | 36 | 24 |
| 78725 | 36.8 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 46 | 24 |
| 78727 | 36.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 24 |
| 78730 | 36.4 | OVERHEATED | BANK_INSTITUTIONAL | 33 | 24 |
| 78732 | 36.4 | OVERHEATED | BANK_INSTITUTIONAL | 36 | 24 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/78728
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.