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Surprise city, AZ

ZIP 85387 — 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 85387

Median Home Value
$453,800
Median Rent
$2,188
Affordability Snapshot
$125,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,915/mo PITI).

28%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

17.3 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 85387 in Surprise city, AZ, a household would need roughly $125,000 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 $2,915. That is about 31% above the local median household income ($95,472), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics

Newer development area (15% built after 2014)

Owner Occupied
93.8%+43% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
15.2%+120% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
29.6%-23% vs US avg
x
$453,800
Home Value
$2,188
Rent
2008
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached92.2%
  • 1-unit attached1.5%
  • 2-9 units0.0%
  • 10+ units0.4%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$453,800
Median rent$2,188
Owner-occupied93.8%
Vacant7.6%
Price-to-income4.8x
Est. income to buy$125,000