ZIP
78861
TX · County 48325 · pop 13,715 (population)
35.3
Opportunity Index
WATCHLISTNational rank #8927
Why This ZIP
ZIP 78861 ranks #8927 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 78861 — 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 48325 — ZIP 78861 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48325 — ZIP 78861 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48325 — ZIP 78861 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 | 40.7 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.1 |
| Construction Pressure | 41.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#8927
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.5
Pulse score33.2
Signal Breakdown — 10 Categories
Vacancy
11.1
Auction / REO
—
Construction Pressure
41.3
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
40.7
Bank Institutional
58.1
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
83.5
Price Cut %
7.6%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
11.1%
Bank Score
58.1
Insurance Score
0.0
Listings Discount
40.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78861 | 33.2 | 18.4 | 0.0 | 40.7 |
| County 48325 | 33.9 | 19.6 | 0.0 | 33.6 |
| 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 |
|---|---|---|---|---|---|
| 78052 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 18 |
| 78059 | 39.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 54 | 19 |
| 78003 | 38.4 | OVERHEATED | VACANCY | 35 | 24 |
| 78023 | 38.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 48 | 22 |
| 78253 | 37.3 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 21 |
| 78884 | 36.2 | EARLY_SIGNAL | VACANCY | — | 24 |
| 78009 | 35.5 | WATCHLIST | BANK_INSTITUTIONAL | 41 | 19 |
| 78039 | 34.9 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 19 |
| 78016 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 18 |
| 78886 | 31.5 | EARLY_SIGNAL | VACANCY | — | 19 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/78861
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.