ZIP
85540
AZ · County 04011 · pop 3,887 (population)
34.1
Opportunity Index
EARLY_SIGNALNational rank #11741
Why This ZIP
ZIP 85540 ranks #11741 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 28.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 85540 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 04011 — ZIP 85540 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04011 — ZIP 85540 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04011 — ZIP 85540 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Foreclosure / Delinquency | 25.0 |
| Vacancy | 18.1 |
| Property Stress | 14.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.2 |
| Construction Pressure | 61.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#11741
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp28.6
Pulse score37.7
Signal Breakdown — 10 Categories
Vacancy
18.1
Auction / REO
—
Construction Pressure
61.8
FL Deep Bonus
—
Property Stress
14.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
71.2
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
18.1%
Bank Score
71.2
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 85540 | 37.7 | 15.0 | 0.0 | — |
| County 04011 | 31.8 | 15.2 | 0.0 | — |
| AZ state avg | 33.4 | 20.7 | 0.0 | 31.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (3)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 85534 | 31.6 | EARLY_SIGNAL | VACANCY | — | 16 |
| 85922 | 31.3 | EARLY_SIGNAL | VACANCY | — | 14 |
| 85533 | 29.4 | WEAK | VACANCY | — | 11 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/85540
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.