ZIP 86544 Property Distress & Foreclosure Data

ZIP code 86544 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. 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.

The vacancy rate is 27.7% — elevated. Around 54% of renters are cost-burdened. The poverty rate is 36.4% — high, a tax-stress and distress correlate. About 1,587 people live here, median age 38. The typical home is worth about $47,000 (2.1× income, relatively affordable). Around 6% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 37/100. 84% of housing is owner-occupied. At $23,295, median income runs below typical U.S. levels. The ZIP holds roughly 641 housing units.

Net-net, 86544 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.