US5.com
  1. Home
  2. States
  3. Arizona
  4. ZIP 85123
  5. Housing & Real Estate
Eloy city, AZ

ZIP 85123 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85123

Median Home Value
$226,000
Median Rent
$828
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,452/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 85123 in Eloy city, AZ, a household would need roughly $62,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,452. That is roughly in line with the local median household income ($60,610). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.0%+21% vs US avg
x
Vacancy Rate
15.2%+48% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$226,000
Home Value
$828
Rent
2001
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.3%
  • 1-unit attached2.0%
  • 2-9 units13.6%
  • 10+ units0.5%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$226,000
Median rent$828
Owner-occupied79.0%
Vacant15.2%
Price-to-income3.7x
Est. income to buy$62,000