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Surprise city, AZ

ZIP 85388 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85388

Median Home Value
$420,000
Median Rent
$1,805
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,698/mo PITI).

20%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

19.4 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 85388 in Surprise city, AZ, a household would need roughly $116,000 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 $2,698. That is roughly in line with the local median household income ($107,131). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
98.3%+13% vs US avg
x
4+ Bedrooms
15.1%+2% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
2.9%-58% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
19.8%-48% vs US avg
x
$420,000
Home Value
$1,805
Rent
2006
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached93.9%
  • 1-unit attached1.5%
  • 2-9 units2.1%
  • 10+ units1.1%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$420,000
Median rent$1,805
Owner-occupied82.2%
Vacant4.0%
Price-to-income3.9x
Est. income to buy$116,000