Gila County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Gila County, Arizona? DLRadar grades every Gila County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Gila County breakdown.
- Gila County's most distressed ZIP is 85264 at 35/100.
- 14 ZIP codes tracked in Gila County, averaging 28/100 distress.
- Gila County reads peak — home values up 0.5% year over year, 0.4% off peak.
- Vacancy runs 24.1% across Gila County's tracked ZIPs, with a 24% poverty rate.
- The typical Gila County home is worth about $202,715 against a ~$56,054 median income.
- Lending headwind in Gila County sits at 49/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 85264 | 35/100 |
| 2 | 85192 | 32/100 |
| 3 | 85545 | 30/100 |
| 4 | 85135 | 28/100 |
| 5 | 85501 | 28/100 |
| 6 | 85532 | 28/100 |
| 7 | 85539 | 28/100 |
| 8 | 85541 | 28/100 |
| 9 | 85544 | 28/100 |
| 10 | 85550 | 28/100 |
| 11 | 85553 | 28/100 |
| 12 | 85554 | 28/100 |
Most distressed ZIP codes in Gila County (composite distress 0-100, 2026)
What is driving Gila County distress
DLRadar builds Gila County's distress picture only from records anyone can pull; its ZIPs average 28/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Gila County market phase and pricing
The cycle in Gila County is peak, with values up 0.5% year over year and 0.4% below peak. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Where is distress highest inside Gila County, AZ?
ZIP 85264 leads Gila County at 35/100, recomputed monthly from public records.
Where is Gila County in the housing cycle?
The market phase for Gila County is peak, prices rising 0.5% on the year — derived from the FHFA House Price Index path.
Where does the Gila County data come from?
Each Gila 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 14 local ZIPs and every other county in the country.
How much do distress scores vary between Gila County ZIP codes?
A single county score papers over real variation. Across the Gila County ZIPs DLRadar ranks, scores run from 35/100 in 85264 down to 28/100 in 85554, against a Gila County average of 28/100. A spread of 7 points means Gila County has to be worked ZIP by ZIP.
What do Gila County home values and vacancy say about distressed supply?
The typical Gila County home carries about $202,715 of value against a median household income near $56,054. Vacancy across Gila County's tracked ZIPs runs 24.1% and the poverty rate is 24%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Gila County's filings and its 49/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.