ZIP 86540 Property Distress & Foreclosure Data

In Apache County, Arizona, ZIP 86540 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 (35/100), construction/permit lag (32/100). construction/permit lag (32/100) and mortgage stress (18/100) 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 (64/100).

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.

The tenure split is 76% owner-occupied to 24% rented. Roughly 52.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $24,286 — below the roughly $78,000 national figure. The vacancy rate is 30.9% — elevated. A median home runs $30,500 here, or 1.1 times local income. About 6% have a four-year degree. Around 45% of renters are cost-burdened. The ZIP holds roughly 473 housing units. On demographic stress specifically, 86540 scores 37/100. 1,087 residents call 86540 home, typically aged 28.

Taken together, 86540 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.