ZIP
78956
TX · County 48149 · pop 5,494 (population)
38.8
Opportunity Index
OVERHEATEDNational rank #3358
Why This ZIP
ZIP 78956 ranks #3358 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 33.3, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 78956 — 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 48149 — ZIP 78956 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48149 — ZIP 78956 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48149 — ZIP 78956 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 |
| Vacancy | 25.5 |
| Property Stress | 23.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 56.3 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#3358
PhaseOVERHEATED
Primary driverVACANCY
Capital opp33.3
Pulse score42.4
Signal Breakdown — 10 Categories
Vacancy
25.5
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
23.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
56.3
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
25.5%
Bank Score
56.3
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 78956 | 42.4 | 24.5 | 0.0 | — |
| County 48149 | 40.0 | 24.0 | 0.0 | 17.4 |
| TX state avg | 32.1 | 17.9 | 0.6 | 31.7 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 78962 | 41.7 | OVERHEATED | VACANCY | — | 36 |
| 78950 | 40.3 | OVERHEATED | VACANCY | — | 28 |
| 78932 | 39.2 | OVERHEATED | VACANCY | — | 21 |
| 78954 | 39.1 | OVERHEATED | VACANCY | — | 23 |
| 78940 | 39.0 | OVERHEATED | VACANCY | — | 25 |
| 78945 | 39.0 | OVERHEATED | VACANCY | 35 | 23 |
| 78941 | 36.9 | OVERHEATED | VACANCY | — | 24 |
| 78949 | 36.8 | OVERHEATED | VACANCY | — | 23 |
| 78938 | 36.8 | OVERHEATED | VACANCY | — | 23 |
| 78963 | 36.3 | EARLY_SIGNAL | VACANCY | — | 23 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/78956
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.