Pinal County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pinal County, AZ distress report, 2026: 35 ZIPs scored in Pinal, AZ, Pinal, AZ average 34/100; the top Pinal, AZ ZIP is 85118 at 35/100; Pinal, AZ market phase peak, Pinal, AZ prices +0.3% year over year.
- Pinal, AZ ranks #575 nationally (opportunity index); Pinal, AZ #2 in Arizona; Pinal, AZ index 33.0.
- Pinal, AZ ninety-day mortgage delinquency 1.3% in December 2025; Pinal, AZ twelve-month change +0.4%.
- Pinal, AZ ZIP phases: 33 peak, 2 recovery.
- Pinal, AZ residential listings tracked: 819 across 29 ZIPs; Pinal, AZ candidate listings 224.
- Pinal, AZ HUD assisted properties: 4 with 308 units.
- Pinal, AZ most distressed ZIP: 85118 at 35/100.
Pinal, AZ figures: DLRadar distress index; Pinal, AZ inputs: CFPB, FHFA, HUD, FDIC; Pinal, AZ rebuilt as sources refresh.
| Rank | Pinal, AZ ZIP | Score |
|---|---|---|
| 1 | 85118 | 35/100 |
| 2 | 85119 | 35/100 |
| 3 | 85120 | 35/100 |
| 4 | 85121 | 35/100 |
| 5 | 85122 | 35/100 |
| 6 | 85123 | 35/100 |
| 7 | 85128 | 35/100 |
| 8 | 85131 | 35/100 |
| 9 | 85132 | 35/100 |
| 10 | 85137 | 35/100 |
| 11 | 85138 | 35/100 |
| 12 | 85140 | 35/100 |
Most distressed Pinal, AZ ZIPs (0-100, 2026)
Mortgage delinquency in Pinal, AZ
1.3% of Pinal, AZ mortgages were ninety-plus days late (Pinal, AZ, December 2025); Pinal, AZ thirty-to-eighty-nine days late: 3.0%; Pinal, AZ twelve-month change +0.4%; Pinal, AZ peak since 2008: 9.8% (October 2009); Arizona overall 0.8%. Pinal, AZ ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 1.3 (Pinal, AZ), Mar 25 1.1, Apr 25 1.1, May 25 1.0 (Pinal, AZ), Jun 25 1.0, Jul 25 1.0, Aug 25 1.3 (Pinal, AZ), Sep 25 1.2, Oct 25 1.2, Nov 25 1.3 (Pinal, AZ), Dec 25 1.3.
Opportunity index: Pinal, AZ
Pinal, AZ index 33.0, Pinal, AZ phase peak_opportunity; Pinal, AZ primary driver construction, Pinal, AZ second driver bank institutional. Pinal, AZ components: property stress 21.7, foreclosure pressure 22.4, listing discounts 38.3, bank stress 55.4, insurance 0.0; Pinal, AZ pulse 35.2; Pinal, AZ capital opportunity 29.6.
ZIP market phases inside Pinal, AZ
35 Pinal, AZ ZIPs carry a price-cycle phase; Pinal, AZ ZIPs by phase (Pinal, AZ), deepest drawdown first: recovery, +1.6% YoY, 0.8% off peak (Pinal, AZ): 85634, 85653; peak, +0.8% YoY, 0.6% off peak (Pinal, AZ): 85658; peak, +0.5% YoY, 0.6% off peak (Pinal, AZ): 85739; peak, +0.3% YoY, 0.5% off peak (Pinal, AZ): 85139, 85212, 85248, 85339, Pinal, AZ 85118, 85119, 85120, 85121, Pinal, AZ 85122, 85123, 85128, 85131.
Residential listings by Pinal, AZ ZIP
Pinal, AZ ZIPs with the most tracked Pinal, AZ residential listings: 85138 150 listings, 56 candidates, bank pressure 63; 85122 107 listings, 19 candidates, bank pressure 63; 85132 83 listings, 34 candidates, bank pressure 63; 85143 70 listings, 13 candidates, bank pressure 63 (Pinal, AZ); 85142 63 listings, 13 candidates, bank pressure 64; 85140 60 listings, 16 candidates, bank pressure 63; 85139 56 listings, 19 candidates, bank pressure 64; 85128 54 listings, 4 candidates, bank pressure 63. Pinal, AZ totals: 819 listings; Pinal, AZ candidates 224; active ZIPs 7.
HUD assisted housing in Pinal, AZ
4 assisted properties with 308 units sit in Pinal, AZ; largest Pinal, AZ properties: Sonoma Valley Apartments (Apache Junction) 176 units; Maddox Estates Townhomes (Eloy) 60 units; Superior Arboretum Apartments (Superior) 42 units, 41 assisted in Pinal, AZ; Santa Cruz Village (Eloy) 30 units, 30 assisted.
Vacancy and permits, Pinal, AZ
22,734 of 184,651 Pinal, AZ housing units are vacant; Pinal, AZ permits, twelve months: 651 multifamily units in Pinal, AZ, 6,927 one-to-four unit units.
Work Pinal, AZ at the parcel level
Every Pinal, AZ parcel carries owner and address; every Pinal, AZ parcel carries APN; Pinal, AZ distress scores sit on the Pinal, AZ live board.
Pinal, AZ figures refresh with each source.
Pinal, AZ questions
Most distressed ZIP code in Pinal County, AZ?
ZIP 85118 leads Pinal, AZ at 35/100; next in Pinal, AZ: 85119 at 35/100; the Pinal, AZ average is 34/100.
Where does Pinal County, AZ rank for investment opportunity?
Pinal, AZ is #575 among all ranked counties, #2 in Arizona; the Pinal, AZ driver is construction; Pinal, AZ moved up 565 places.
How many mortgages are delinquent in Pinal County, AZ?
1.3% of Pinal, AZ mortgages were ninety-plus days late in December 2025; the Pinal, AZ peak since 2008 was 9.8%.
More on Pinal, AZ
Pinal County, AZ distress report: public-record figures for Pinal, AZ; not legal advice for Pinal, AZ; not tax or investment advice; verify every Pinal, AZ record before acting.