ZIP 85040 Property Distress & Foreclosure Data

ZIP code 85040 in Maricopa County, Arizona carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (79/100), institutional ownership (62/100), construction/permit lag (62/100). mortgage stress (23/100) stay muted. The latent-versus-live split is 79/100 structural and 7/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (88/100), FEMA disaster exposure (79/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 8% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 15% have a four-year degree. The ZIP holds roughly 12,193 housing units. Households earn a median $57,890 — below the roughly $78,000 national figure. The vacancy rate is 5.9%. A median home runs $329,800 here, or 5.1 times local income. On demographic stress specifically, 85040 scores 42/100. Around 41% of renters are cost-burdened. The tenure split is 48% owner-occupied to 52% rented. Roughly 23.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 33,325 residents call 85040 home, typically aged 31.

Taken together, 85040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.