ZIP 85638 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 85638 in Cochise County, Arizona comes in at 24, a low composite-distress reading. It additionally carries heavy environmental risk: climate & FEMA risk (91/100). The pressure is most legible in construction/permit lag (58/100), structural risk (53/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (4/100). On the structural side it scores 53/100, with 1/100 of stress already active.

Prices here sit in a contraction phase: values fell 2.1% over the trailing year, 4.5% off the recent peak, and 23% higher over three years (phase confidence 70/100). A cooling market tends to open discount-to-value windows.

1,621 residents call 85638 home, typically aged 60. Owners hold 75% of homes, renters 25%. Home values center near $184,000, an affordability ratio of 3.0× — accessible. The poverty rate is 10.5%. On demographic stress specifically, 85638 scores 29/100. There are about 1,146 housing units across 85638. Around 29% of renters are cost-burdened. About 18% have a four-year degree. The vacancy rate is 28.4% — elevated. At $56,172, median income runs below typical U.S. levels.

On the whole, 85638 leans distressed, with opportunity clustered in specific stressed parcels. While 85638 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 85638 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Cochise County, Arizona and the nation. Every figure is auditable to a public dataset and refreshed as records update; 85638 shows blanks, not estimates, wherever the record is sparse.

The 24/100 figure for 85638 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 85638 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.