ZIP
86440
AZ · County 04015 · pop 8,403 (population)
40.0
Opportunity Index
PEAK_OPPORTUNITYNational rank #2218
Why This ZIP
ZIP 86440 ranks #2218 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 34.6, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 86440 — 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 04015 — ZIP 86440 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 04015 — ZIP 86440 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 04015 — ZIP 86440 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 | 37.7 |
| Foreclosure / Delinquency | 30.0 |
| Vacancy | 29.5 |
▼ Top 3 Risk Signals
| Construction Pressure | 100.0 |
| Bank Institutional | 71.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2218
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp34.6
Pulse score43.6
Signal Breakdown — 10 Categories
Vacancy
29.5
Auction / REO
—
Construction Pressure
100.0
FL Deep Bonus
—
Property Stress
18.0
HOA / Federal Liens
—
Listings Discount
37.7
Bank Institutional
71.0
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
106.9
Price Cut %
13.2%
Short-Sale Listings
6
Auction Events 90d
—
Vacancy %
29.5%
Bank Score
71.0
Insurance Score
0.0
Listings Discount
37.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 86440 | 43.6 | 22.0 | 0.0 | 37.7 |
| County 04015 | 37.7 | 21.9 | 0.0 | 32.1 |
| 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 |
|---|---|---|---|---|---|
| 86444 | 39.6 | PEAK_OPPORTUNITY | VACANCY | 46 | 18 |
| 86442 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 37 | 18 |
| 86426 | 37.7 | OVERHEATED | BANK_INSTITUTIONAL | 32 | 18 |
| 86406 | 37.0 | OVERHEATED | VACANCY | 29 | 18 |
| 86403 | 36.9 | OVERHEATED | VACANCY | 28 | 18 |
| 86436 | 36.8 | OVERHEATED | VACANCY | 34 | 18 |
| 86401 | 36.7 | OVERHEATED | BANK_INSTITUTIONAL | 33 | 18 |
| 86022 | 36.4 | OVERHEATED | VACANCY | 35 | 17 |
| 86413 | 36.3 | EARLY_SIGNAL | VACANCY | 34 | 18 |
| 86409 | 36.3 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 35 | 18 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/86440
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.