ZIP 86520 Property Distress & Foreclosure Data

Apache County, Arizona's ZIP 86520 registers 22/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (73/100). On the structural side it scores 47/100, with 5/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (50/100), structural risk (47/100), institutional ownership (30/100). By contrast, institutional ownership (30/100) and mortgage stress (16/100) register low.

The market reads peak — home values rose 2.8% year on year (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 51.1% — high, a tax-stress and distress correlate. 90% of housing is owner-occupied. At $15,160, median income runs below typical U.S. levels. Around 11% of renters are cost-burdened. About 2,185 people live here, median age 33. Around 5% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 38/100. The typical home is worth about $55,800 (4.0× income). The vacancy rate is 24.8% — elevated. The ZIP holds roughly 1,078 housing units.

Net-net, 86520 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.