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Top-of-the-World CDP, AZ

ZIP 85539 — 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 85539

Median Home Value
$107,200
Median Rent
$654
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$689/mo PITI).

17%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.7 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 85539 in Top-of-the-World CDP, AZ, a household would need roughly $30,000 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 $689. That sits below the local median household income ($45,733), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.9%+16% vs US avg
x
Vacancy Rate
24.6%+138% vs US avg
x
Broadband Access
76.4%-12% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
8.0%-38% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.6%-40% vs US avg
x
Mortgage-Free
59.0%+55% vs US avg
x
$107,200
Home Value
$654
Rent
1960
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached69.7%
  • 1-unit attached1.6%
  • 2-9 units3.5%
  • 10+ units4.5%
  • Mobile home & other20.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,200
Median rent$654
Owner-occupied75.9%
Vacant24.6%
Price-to-income2.3x
Est. income to buy$30,000