ZIP
86038
AZ · County 04005 · pop 210 (population)
35.2
Opportunity Index
EARLY_SIGNALNational rank #9178
Why This ZIP
ZIP 86038 ranks #9178 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 39.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 86038 — 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 04005 — ZIP 86038 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04005 — ZIP 86038 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04005 — ZIP 86038 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 | 84.9 |
| Listings Discount | 31.4 |
| Foreclosure / Delinquency | 25.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 32.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#9178
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp39.3
Pulse score32.5
Signal Breakdown — 10 Categories
Vacancy
84.9
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
31.4
Bank Institutional
32.5
Insurance Distress
0.0
Foreclosure / Delinquency
25.0
Top-Line Metrics
Avg DOM (days)
78.0
Price Cut %
27.4%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
84.9%
Bank Score
32.5
Insurance Score
0.0
Listings Discount
31.4
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 86038 | 32.5 | 17.5 | 0.0 | 31.4 |
| County 04005 | 34.7 | 17.5 | 0.0 | 11.7 |
| 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 |
|---|---|---|---|---|---|
| 86337 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 47 | 19 |
| 86047 | 38.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 45 | 16 |
| 86046 | 37.7 | OVERHEATED | VACANCY | 32 | 16 |
| 86044 | 37.0 | OVERHEATED | VACANCY | — | 23 |
| 86045 | 36.7 | OVERHEATED | VACANCY | — | 16 |
| 86022 | 36.4 | OVERHEATED | VACANCY | 35 | 17 |
| 86040 | 36.3 | EARLY_SIGNAL | VACANCY | — | 16 |
| 86320 | 35.6 | EARLY_SIGNAL | VACANCY | 35 | 16 |
| 86434 | 35.4 | EARLY_SIGNAL | VACANCY | — | 18 |
| 86024 | 34.5 | EARLY_SIGNAL | VACANCY | 29 | 16 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/86038
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.