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Surprise city, AZ

ZIP 85374 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85374

Median Home Value
$355,800
Median Rent
$1,648
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,286/mo PITI).

25%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

18.0 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 85374 in Surprise city, AZ, a household would need roughly $98,000 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 $2,286. That is about 25% above the local median household income ($78,690), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.5%+20% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
47.2%+24% vs US avg
x
$355,800
Home Value
$1,648
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 detached76.7%
  • 1-unit attached2.3%
  • 2-9 units3.5%
  • 10+ units10.7%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,800
Median rent$1,648
Owner-occupied78.5%
Vacant16.3%
Price-to-income4.5x
Est. income to buy$98,000