Pinal County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pinal County, Arizona? DLRadar grades every Pinal County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 35/100. Here is the 2026 Pinal County breakdown.
- Pinal County's most distressed ZIP is 85118 at 35/100.
- 35 ZIP codes tracked in Pinal County, averaging 34/100 distress.
- Pinal County reads peak — home values up 0.3% year over year, 0.5% off peak.
- Vacancy runs 11.3% across Pinal County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Pinal County home is worth about $307,238 against a ~$89,363 median income.
- Lending headwind in Pinal County sits at 51/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 85139 | 35/100 |
Most distressed ZIP codes in Pinal County (composite distress 0-100, 2026)
What is driving Pinal County distress
Pinal County's placement in the national index rests on public filings — a 34/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Pinal County market phase and pricing
Pinal County reads peak — home prices rose 0.3% over the last year and are 0.5% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Pinal County
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Frequently asked questions
Which Pinal County ZIP scores worst for distress?
ZIP 85118 leads Pinal County at 35/100, recomputed monthly from public records.
Is Pinal County expanding or contracting?
The market phase for Pinal County is peak, prices rising 0.3% on the year — derived from the FHFA House Price Index path.
What is this Pinal County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 35 ZIP codes in Pinal County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Pinal County ZIP codes?
One county number flattens a wide range. Across the Pinal County ZIPs DLRadar ranks, scores run from 35/100 in 85118 down to 35/100 in 85139, against a Pinal County average of 34/100. The 0-point range is the argument for ZIP-level search across Pinal County.
What do Pinal County home values and vacancy say about distressed supply?
The typical Pinal County home carries about $307,238 of value against a median household income near $89,363. Vacancy across Pinal County's tracked ZIPs runs 11.3% and the poverty rate is 14.1%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Pinal County's foreclosure and tax-lien filings and its 51/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.