ZIP 86504 Property Distress & Foreclosure Data

In Apache County, Arizona, ZIP 86504 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 (34/100), construction/permit lag (32/100). construction/permit lag (32/100) and mortgage stress (17/100) stay muted. The latent-versus-live split is 42/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (70/100), FEMA disaster exposure (63/100).

Prices here sit in a peak phase: values rose 3.1% over the trailing year (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $47,227 — below the roughly $78,000 national figure. A median home runs $45,000 here, or 1.0 times local income. The tenure split is 66% owner-occupied to 34% rented. The ZIP holds roughly 2,096 housing units. Roughly 26.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 22.6% — elevated. About 12% have a four-year degree. On demographic stress specifically, 86504 scores 26/100. Around 8% of renters are cost-burdened. 5,905 residents call 86504 home, typically aged 34.

Taken together, 86504 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.