ZIP 86039 Property Distress & Foreclosure Data

Navajo County, Arizona's ZIP 86039 registers 23/100 composite distress, which DLRadar reads as low. Structural exposure scores 52 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (84/100). The most distinctive pressure shows up in construction/permit lag (63/100), structural risk (52/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (11/100) stay muted.

Prices here sit in a peak phase: values rose 1.7% over the trailing year, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,373 residents call 86039 home, typically aged 45. On demographic stress specifically, 86039 scores 27/100. The tenure split is 96% owner-occupied to 4% rented. Vacancy runs 26.0%, above the national norm and a classic distress-and-opportunity signal. A median home runs $103,200 here, or 3.2 times local income. There are about 703 housing units across 86039. About 14% have a four-year degree. Households earn a median $35,855 — below the roughly $78,000 national figure. Rent burden reaches 0% of tenant households. Roughly 28.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 86039 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.