ZIP 85620 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 85620 (Cochise County, Arizona) at a low 19/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (91/100). On the structural side it scores 41/100, with 1/100 of stress already active. The pressure is most legible in construction/permit lag (51/100), structural risk (41/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100).

Prices here sit in a contraction phase: values fell 2.1% over the trailing year, 4.5% off the recent peak (phase confidence 70/100). A cooling market tends to open discount-to-value windows.

The vacancy rate is 14.4% — elevated. Roughly 33.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 4% bachelor's-or-above. The demographic-stress sub-score lands at 25/100. Households earn a median $51,161 — below the roughly $78,000 national figure. The typical home is worth about $72,900 (1.4× income, relatively affordable). Rent burden reaches 0% of tenant households. There are about 351 housing units across 85620. 88% of housing is owner-occupied. About 1,105 people live here, median age 29.

Net-net, 85620 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 85620 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 85620, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

85620's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 85620 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.