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White Mountain Lake CDP, AZ

ZIP 85912 — 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 85912

Median Home Value
$154,400
Median Rent
N/A
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$992/mo PITI).

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 85912 in White Mountain Lake CDP, AZ, a household would need roughly $43,000 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 $992. That sits below the local median household income ($72,500), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
66.0%-24% vs US avg
x
4+ Bedrooms
28.0%+89% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Mortgage-Free
16.0%-58% vs US avg
x
$154,400
Home Value
N/A
Rent
2004
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 detached34.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other66.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,400
Median rent$-666,666,666
Owner-occupied100.0%
Vacant0.0%
Price-to-income2.1x
Est. income to buy$43,000