ZIP
85939
AZ · County 04017 · pop 3,729 (population)
34.2
Opportunity Index
WATCHLISTNational rank #11518
Why This ZIP
ZIP 85939 ranks #11518 nationally with phase WATCHLIST. Primary driver: VACANCY. Capital opportunity score is 42.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 85939 — 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 04017 — ZIP 85939 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04017 — ZIP 85939 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04017 — ZIP 85939 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 | 39.3 |
| Foreclosure / Delinquency | 25.0 |
| Property Stress | 17.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 68.1 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#11518
PhaseWATCHLIST
Primary driverVACANCY
Capital opp42.5
Pulse score28.6
Signal Breakdown — 10 Categories
Vacancy
9.4
Auction / REO
—
Construction Pressure
68.1
FL Deep Bonus
—
Property Stress
17.0
HOA / Federal Liens
—
Listings Discount
39.3
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
79.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
9.4%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
39.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 85939 | 28.6 | 19.1 | 0.0 | 39.3 |
| County 04017 | 35.9 | 19.1 | 0.0 | 22.1 |
| 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 |
|---|---|---|---|---|---|
| 84536 | 39.3 | OVERHEATED | VACANCY | — | 39 |
| 86047 | 38.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 45 | 16 |
| 86025 | 37.9 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 46 | 17 |
| 86044 | 37.0 | OVERHEATED | VACANCY | — | 23 |
| 86503 | 36.9 | OVERHEATED | VACANCY | — | 21 |
| 85901 | 36.6 | OVERHEATED | VACANCY | 34 | 17 |
| 85937 | 36.3 | WATCHLIST | BANK_INSTITUTIONAL | 39 | 17 |
| 85933 | 36.2 | EARLY_SIGNAL | VACANCY | 31 | 17 |
| 85929 | 36.2 | EARLY_SIGNAL | VACANCY | 31 | 17 |
| 85935 | 35.4 | EARLY_SIGNAL | VACANCY | — | 17 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/85939
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.