Santa Cruz County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Santa Cruz County, Arizona? DLRadar grades every Santa Cruz County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Santa Cruz County breakdown.
- Santa Cruz County's most distressed ZIP is 85621 at 23/100.
- 9 ZIP codes tracked in Santa Cruz County, averaging 22/100 distress.
- Santa Cruz County reads peak — home values up 0.5% year over year, 0.4% off peak.
- Vacancy runs 22% across Santa Cruz County's tracked ZIPs, with a 9.7% poverty rate.
- The typical Santa Cruz County home is worth about $332,788 against a ~$57,129 median income.
- Lending headwind in Santa Cruz County sits at 38/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 85621 | 23/100 |
| 2 | 85624 | 23/100 |
| 3 | 85640 | 23/100 |
| 4 | 85646 | 23/100 |
| 5 | 85648 | 23/100 |
| 6 | 85637 | 22/100 |
| 7 | 85645 | 22/100 |
| 8 | 85611 | 21/100 |
| 9 | 85614 | 21/100 |
Most distressed ZIP codes in Santa Cruz County (composite distress 0-100, 2026)
What is driving Santa Cruz County distress
Santa Cruz County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Santa Cruz County market phase and pricing
Santa Cruz County currently sits in peak after a 0.5% gain in the past twelve months, 0.4% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Santa Cruz County
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What people ask
Which ZIP code leads Santa Cruz County on distress?
ZIP 85621 leads Santa Cruz County at 23/100, recomputed monthly from public records.
Where is Santa Cruz County in the housing cycle?
Santa Cruz County currently sits in peak, with values up 0.5% year on year, based on FHFA price-index trajectory.
Can the Santa Cruz County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 9 Santa Cruz County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Santa Cruz County ZIP codes?
Averaging the county conceals how uneven it is. Across the Santa Cruz County ZIPs DLRadar ranks, scores run from 23/100 in 85621 down to 21/100 in 85614, against a Santa Cruz County average of 22/100. A spread of 2 points means Santa Cruz County has to be worked ZIP by ZIP.
What do Santa Cruz County home values and vacancy say about distressed supply?
The typical Santa Cruz County home carries about $332,788 of value against a median household income near $57,129. Vacancy across Santa Cruz County's tracked ZIPs runs 22% and the poverty rate is 9.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Santa Cruz County's foreclosure and tax-lien filings and its 38/100 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.