ZIP 85938 Property Distress & Foreclosure Data

In Apache County, Arizona, ZIP 85938 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (42/100), institutional ownership (35/100), construction/permit lag (32/100). By contrast, construction/permit lag (32/100) and mortgage stress (18/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (70/100), FEMA disaster exposure (64/100). On the structural side it scores 42/100, with 5/100 of stress already active.

The market reads peak — home values rose 3.1% year on year, and 78% higher over three years (phase confidence 21/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 6.8% — low. Around 42% of renters are cost-burdened. Around 25% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 32/100. 73% of housing is owner-occupied. About 2,079 people live here, median age 45. The ZIP holds roughly 1,277 housing units. The vacancy rate is 29.6% — elevated. At $54,167, median income runs below typical U.S. levels. The typical home is worth about $212,300 (3.5× income, relatively affordable).

Net-net, 85938 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.