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Eloy city, AZ

ZIP 85131 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85131

Median Home Value
$243,700
Median Rent
$681
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,565/mo PITI).

15%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

29.8 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 85131 in Eloy city, AZ, a household would need roughly $67,000 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 $1,565. That is about 22% above the local median household income ($55,137), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.9%+5% vs US avg
x
Vacancy Rate
12.9%+26% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
3.9%-43% vs US avg
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
54.7%+43% vs US avg
x
$243,700
Home Value
$681
Rent
1997
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached65.8%
  • 1-unit attached4.8%
  • 2-9 units7.9%
  • 10+ units5.1%
  • Mobile home & other16.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$243,700
Median rent$681
Owner-occupied68.9%
Vacant12.9%
Price-to-income4.4x
Est. income to buy$67,000