ZIP 86538 Property Distress & Foreclosure Data

Composite property distress in 86538 (Apache County, Arizona) lands at 20/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (70/100), FEMA disaster exposure (64/100). The sharpest non-environmental signals are 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. Structural exposure scores 42 and live distress 5 on the 0–100 scale.

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

About 1,545 people live here, median age 34. The poverty rate is 45.6% — high, a tax-stress and distress correlate. The typical home is worth about $45,600 (2.2× income, relatively affordable). 76% of housing is owner-occupied. At $25,234, median income runs below typical U.S. levels. Around 13% of adults hold a bachelor's degree or higher. Vacancy runs 23.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 13% of tenant households. There are about 726 housing units across 86538. The demographic-stress sub-score lands at 32/100.

Net-net, 86538 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.