ZIP
85646
AZ · County 04023 · pop 1,280 (population)
33.0
Opportunity Index
EARLY_SIGNALNational rank #14527
Why This ZIP
ZIP 85646 ranks #14527 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 38.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 85646 — 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 04023 — ZIP 85646 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04023 — ZIP 85646 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04023 — ZIP 85646 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
| Vacancy | 36.7 |
| Listings Discount | 29.7 |
| Foreclosure / Delinquency | 28.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 49.7 |
| Bank Institutional | 33.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#14527
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp38.6
Pulse score29.2
Signal Breakdown — 10 Categories
Vacancy
36.7
Auction / REO
—
Construction Pressure
49.7
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
29.7
Bank Institutional
33.5
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
4.0
Price Cut %
—%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
36.7%
Bank Score
33.5
Insurance Score
0.0
Listings Discount
29.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 85646 | 29.2 | 19.8 | 0.0 | 29.7 |
| County 04023 | 33.1 | 19.3 | 0.0 | 28.9 |
| AZ state avg | 33.4 | 20.7 | 0.0 | 31.3 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 85648 | 34.7 | WATCHLIST | BANK_INSTITUTIONAL | 38 | 17 |
| 85637 | 32.7 | EARLY_SIGNAL | VACANCY | — | 12 |
| 85624 | 32.1 | EARLY_SIGNAL | VACANCY | — | 17 |
| 85621 | 31.6 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 24 | 17 |
| 85614 | 31.3 | EARLY_SIGNAL | VACANCY | 31 | 9 |
| 85640 | 31.0 | EARLY_SIGNAL | VACANCY | — | 14 |
| 85611 | 29.0 | WEAK | VACANCY | — | 14 |
| 85645 | 25.9 | WEAK | BANK_INSTITUTIONAL | — | 11 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/85646
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.