ZIP 86535 Property Distress & Foreclosure Data

ZIP code 86535 in Apache County, Arizona carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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. On the structural side it scores 42/100, with 5/100 of stress already active. 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.

The typical home is worth about $50,300 (1.9× income, relatively affordable). 96% of housing is owner-occupied. About 1,116 people live here, median age 35. The ZIP holds roughly 403 housing units. At $22,981, median income runs below typical U.S. levels. The vacancy rate is 15.6% — elevated. Around 6% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 31/100. The poverty rate is 37.0% — high, a tax-stress and distress correlate.

Net-net, 86535 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.