ZIP 85937 Foreclosure, Tax-Lien & Distress Report

ZIP 85937's composite property-distress score is 23/100 - DLRadar classes that as low for Navajo County, Arizona. Structural exposure scores 52 and live distress 3 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (84/100)). The pressure is most legible in construction/permit lag (68/100), structural risk (52/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (11/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 9% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.

The tenure split is 81% owner-occupied to 19% rented. Rent burden reaches 34% of tenant households. Vacancy runs 10.6%. About 25% have a four-year degree. The typical home is worth about $269,900 (4.0× income). There are about 3,127 housing units across 85937. 9,975 residents call 85937 home, typically aged 32. Median household income is $64,475, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 34/100. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Overall, 85937 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 85937 is not published yet -- the ZIP-level readings above remain fully sourced.

The 85937 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 85937 stays directly comparable to neighboring ZIPs and the rest of Navajo County, Arizona. The score is rebuilt from public data as it updates, so 85937 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 85937 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. For an operator, 85937 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.