ZIP 86511 Property Distress & Foreclosure Data

Apache County, Arizona's ZIP 86511 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in 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. The latent-versus-live split is 42/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (70/100), FEMA disaster exposure (64/100).

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

At $39,342, median income runs below typical U.S. levels. The poverty rate is 19.5% — high, a tax-stress and distress correlate. Around 13% of adults hold a bachelor's degree or higher. About 3,440 people live here, median age 33. The ZIP holds roughly 1,575 housing units. The typical home is worth about $45,300 (1.2× income, relatively affordable). The vacancy rate is 36.2% — elevated. The demographic-stress sub-score lands at 23/100. Around 0% of renters are cost-burdened. 92% of housing is owner-occupied.

Net-net, 86511 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.