Navajo County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Navajo County, Arizona? DLRadar grades every Navajo County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Navajo County breakdown.
- Navajo County's most distressed ZIP is 85941 at 26/100.
- 34 ZIP codes tracked in Navajo County, averaging 24/100 distress.
- Navajo County reads peak — home values up 0.5% year over year, 0.4% off peak.
- Vacancy runs 25.9% across Navajo County's tracked ZIPs, with a 30.9% poverty rate.
- The typical Navajo County home is worth about $146,253 against a ~$48,827 median income.
- Lending headwind in Navajo County sits at 58/100 — 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 | 85941 | 26/100 |
| 2 | 86030 | 25/100 |
| 3 | 85902 | 24/100 |
| 4 | 85911 | 24/100 |
| 5 | 85912 | 24/100 |
| 6 | 85923 | 24/100 |
| 7 | 85926 | 24/100 |
| 8 | 85928 | 24/100 |
| 9 | 85929 | 24/100 |
| 10 | 85933 | 24/100 |
| 11 | 85934 | 24/100 |
| 12 | 85935 | 24/100 |
Most distressed ZIP codes in Navajo County (composite distress 0-100, 2026)
What is driving Navajo County distress
DLRadar builds Navajo County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Navajo County market phase and pricing
The cycle in Navajo 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.
See the distressed properties behind the data in Navajo County
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What people ask
Where is distress highest inside Navajo County, AZ?
ZIP 85941 leads Navajo County at 26/100, recomputed monthly from public records.
What stage of the price cycle is Navajo County at?
Navajo County currently sits in peak, with values up 0.5% year on year, based on FHFA price-index trajectory.
Which datasets feed the Navajo County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 34 Navajo County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Navajo County ZIP codes?
A county average hides the spread. Across the Navajo County ZIPs DLRadar ranks, scores run from 26/100 in 85941 down to 24/100 in 85935, against a Navajo County average of 24/100. A spread of 2 points means Navajo County has to be worked ZIP by ZIP.
What do Navajo County home values and vacancy say about distressed supply?
The typical Navajo County home carries about $146,253 of value against a median household income near $48,827. Vacancy across Navajo County's tracked ZIPs runs 25.9% and the poverty rate is 30.9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Navajo County's foreclosure and tax-lien filings and its 58/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.