Apache County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Apache County, Arizona? DLRadar grades every Apache County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Apache County breakdown.
- Apache County's most distressed ZIP is 86033 at 24/100.
- 34 ZIP codes tracked in Apache County, averaging 20/100 distress.
- Apache County reads peak — home values up 1.5% year over year.
- Vacancy runs 30.6% across Apache County's tracked ZIPs, with a 31.4% poverty rate.
- The typical Apache County home is worth about $110,415 against a ~$46,423 median income.
- Lending headwind in Apache County sits at 60/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 86033 | 24/100 |
| 2 | 86034 | 24/100 |
| 3 | 85901 | 23/100 |
| 4 | 86505 | 22/100 |
| 5 | 86520 | 22/100 |
| 6 | 87328 | 22/100 |
| 7 | 85930 | 21/100 |
| 8 | 86503 | 21/100 |
| 9 | 85920 | 20/100 |
| 10 | 85924 | 20/100 |
| 11 | 85925 | 20/100 |
| 12 | 85927 | 20/100 |
Most distressed ZIP codes in Apache County (composite distress 0-100, 2026)
What is driving Apache County distress
DLRadar builds Apache County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Apache County market phase and pricing
Phase for Apache County: peak (+1.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Apache County
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Questions about this county
Which Apache County ZIP scores worst for distress?
ZIP 86033 leads Apache County at 24/100, recomputed monthly from public records.
Where is Apache County in the housing cycle?
Apache County currently sits in peak, with values up 1.5% year on year, based on FHFA price-index trajectory.
Can the Apache County figures be verified?
Each Apache County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 34 local ZIPs and every other county in the country.
How much do distress scores vary between Apache County ZIP codes?
Averaging the county conceals how uneven it is. Across the Apache County ZIPs DLRadar ranks, scores run from 24/100 in 86033 down to 20/100 in 85927, against a Apache County average of 20/100. Those 4 points separate the ZIPs worth working in Apache County from the rest.
What do Apache County home values and vacancy say about distressed supply?
The typical Apache County home carries about $110,415 of value against a median household income near $46,423. Vacancy across Apache County's tracked ZIPs runs 30.6% and the poverty rate is 31.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Apache County's filings and its 60/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.