ZIP
85631
AZ · County 04021 · pop 3,283 (population)
37.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #4406
Why This ZIP
ZIP 85631 ranks #4406 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 49.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 85631 — 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 04021 — ZIP 85631 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04021 — ZIP 85631 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04021 — ZIP 85631 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
| Listings Discount | 54.6 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 22.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 61.4 |
| Bank Institutional | 31.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4406
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp49.9
Pulse score29.9
Signal Breakdown — 10 Categories
Vacancy
3.4
Auction / REO
—
Construction Pressure
61.4
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
54.6
Bank Institutional
31.5
Insurance Distress
0.0
Foreclosure / Delinquency
22.0
Top-Line Metrics
Avg DOM (days)
4.5
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
3.4%
Bank Score
31.5
Insurance Score
0.0
Listings Discount
54.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 85631 | 29.9 | 22.7 | 0.0 | 54.6 |
| County 04021 | 35.3 | 22.5 | 0.0 | 38.2 |
| AZ state avg | 33.4 | 20.7 | 0.0 | 31.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 85120 | 41.4 | STRONG_BUY | VACANCY | 51 | 21 |
| 85137 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 55 | 22 |
| 85193 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 50 | 22 |
| 85194 | 38.6 | PEAK_OPPORTUNITY | VACANCY | 40 | 22 |
| 85122 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 39 | 22 |
| 85132 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 38 | 22 |
| 85143 | 37.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 22 |
| 85128 | 37.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 42 | 22 |
| 85139 | 37.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 22 |
| 85118 | 37.5 | OVERHEATED | VACANCY | 33 | 22 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/85631
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.