ZIP
79109
TX · County 48381 · pop 42,410 (population)
32.8
Opportunity Index
EARLY_SIGNALNational rank #15003
Why This ZIP
ZIP 79109 ranks #15003 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 39.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 79109 — 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 48381 — ZIP 79109 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 48381 — ZIP 79109 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 48381 — ZIP 79109 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 | 41.5 |
| Property Stress | 15.0 |
| Foreclosure / Delinquency | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 51.6 |
| Construction Pressure | 18.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#15003
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp39.3
Pulse score28.4
Signal Breakdown — 10 Categories
Vacancy
10.9
Auction / REO
—
Construction Pressure
18.0
FL Deep Bonus
—
Property Stress
15.0
HOA / Federal Liens
—
Listings Discount
41.5
Bank Institutional
51.6
Insurance Distress
0.0
Foreclosure / Delinquency
14.0
Top-Line Metrics
Avg DOM (days)
94.7
Price Cut %
17.6%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.9%
Bank Score
51.6
Insurance Score
0.0
Listings Discount
41.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 79109 | 28.4 | 15.1 | 0.0 | 41.5 |
| County 48381 | 27.4 | 14.8 | 0.0 | 32.9 |
| 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 |
|---|---|---|---|---|---|
| 79124 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 18 |
| 79106 | 34.4 | WATCHLIST | VACANCY | 38 | 18 |
| 79110 | 33.5 | WATCHLIST | BANK_INSTITUTIONAL | 47 | 15 |
| 79118 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 44 | 15 |
| 79121 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 37 | 15 |
| 79119 | 30.3 | WEAK | BANK_INSTITUTIONAL | 39 | 15 |
| 79042 | 29.9 | WEAK | VACANCY | — | 15 |
| 79019 | 29.7 | WEAK | VACANCY | — | 16 |
| 79103 | 29.4 | WEAK | BANK_INSTITUTIONAL | — | 17 |
| 79015 | 27.6 | WEAK | BANK_INSTITUTIONAL | — | 15 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/79109
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.