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Elgin CDP, AZ

ZIP 85611 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85611

Median Home Value
$327,300
Median Rent
N/A
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,102/mo PITI).

5.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 85611 in Elgin CDP, AZ, a household would need roughly $90,000 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 $2,102. That is about 39% above the local median household income ($64,545), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.2%+46% vs US avg
x
Vacancy Rate
14.6%+42% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
48.4%+27% vs US avg
x
$327,300
Home Value
N/A
Rent
1981
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.4%
  • 1-unit attached5.9%
  • 2-9 units1.1%
  • 10+ units0.0%
  • Mobile home & other7.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,300
Median rent$-666,666,666
Owner-occupied95.2%
Vacant14.6%
Price-to-income5.1x
Est. income to buy$90,000