Arizona foreclosures and housing market
How foreclosure works in Arizona, which counties lean to buyers or sellers, and how many homes are for sale right now.
How's the market in Arizona?
A balanced market.
Listings spent about 64 days on the market, and 27% had a price cut in October 2026.
Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.
Distressed properties in Arizona
Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.
Representative photoWe are not tracking properties in Arizona yet
Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for Arizona.
The closest place we track is Utah, with 128 properties.
The Arizona market in October 2026
Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.
Arizona market score
- Homes for sale
- 32,275
- US: 1,179,101
- Typical days on market
- 64
- US: 66
- Listings with a price cut
- 27%
- US: 21%
- Homes for sale vs pre-pandemic
- +28%
- US: −7%
- October 2026 vs the October average for 2017 to 2019.
Market score by county
Check any countyGray counties had too few listings to score. Tap a county for its full answer.
Most buyer-friendly counties
Lowest scores among counties with 50+ homes for sale.
- 2La Paz County129 days on market · 10% with a price cut · 93 for sale
- 9Apache County108 days on market · 21% with a price cut · 199 for sale
- 17Navajo County95 days on market · 21% with a price cut · 823 for sale
- 17Gila County100 days on market · 23% with a price cut · 468 for sale
- 25Mohave County74 days on market · 22% with a price cut · 1,646 for sale
Most seller-friendly counties
Highest scores among counties with 50+ homes for sale.
- 77Yuma County71 days on market · 10% with a price cut · 688 for sale
- 63Graham County68 days on market · 21% with a price cut · 91 for sale
- 55Cochise County78 days on market · 18% with a price cut · 530 for sale
- 46Pima County57 days on market · 24% with a price cut · 4,237 for sale
- 46Yavapai County78 days on market · 20% with a price cut · 1,799 for sale
Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.
How foreclosure works in Arizona
Most Arizona foreclosures are non-judicial trustee sales.
- Main steps and notices
- The trustee records a notice of sale, and the sale can be no sooner than 91 days after recording.
- The borrower gets a copy by certified or registered mail within five business days of recording.
- The notice is posted on the property at least 20 days before the sale and published once a week for four weeks, the last at least 10 days before the sale.
- Deficiency judgments are generally not allowed on one- or two-family homes on two and a half acres or less.
- Catching up before the sale
- The borrower can reinstate until 5 p.m. the day before the sale, not counting Saturdays and legal holidays.
- After the sale
- There is no right to redeem after the sale.
- Before any of this starts
- Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
- Governing law
- Arizona Revised Statutes § 33-801 et seq.
Sources
- Justia, Foreclosure laws and procedures: 50-state survey (last reviewed November 2022)
- Nolo, Foreclosure redemption period rights (state chart)
- Consumer Financial Protection Bureau, How to avoid foreclosure
General information, not legal advice.
Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.
Go deeper
- Check any county's marketPick a county in Arizona and see whether it leans to buyers or sellers.
- Read the buying guidesHow to buy pre-foreclosures, auction homes, bank-owned homes, HUD homes and short sales.
- Help if you're behind on your mortgageWhere you are in the process, your options, free counselors and scam warnings.
Arizona questions
Is foreclosure in Arizona judicial or non-judicial?
Most Arizona foreclosures are non-judicial trustee sales.
Can a homeowner get the home back after a foreclosure sale in Arizona?
There is no right to redeem after the sale.
Can a borrower in Arizona catch up on the loan before the sale?
The borrower can reinstate until 5 p.m. the day before the sale, not counting Saturdays and legal holidays.
Is Arizona a buyer's or seller's market right now?
A balanced market. Arizona scores 41 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 64 days on the market, and 27% had a price cut in October 2026. Source: Realtor.com® Economic Research.
How far behind does a borrower have to be before foreclosure starts?
Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.