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Heber-Overgaard CDP, AZ

ZIP 85928 — 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 85928

Median Home Value
$384,000
Median Rent
$904
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,467/mo PITI).

20%
Rent-to-Income Ratio

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

7.0x
Home Price-to-Income Ratio

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

35.4 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 85928 in Heber-Overgaard CDP, AZ, a household would need roughly $106,000 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 $2,467. That is about 94% above the local median household income ($54,545), 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 65% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.3%-9% vs US avg
x
Vacancy Rate
65.3%+534% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
41.7%+9% vs US avg
x
$384,000
Home Value
$904
Rent
1997
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached84.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$384,000
Median rent$904
Owner-occupied59.3%
Vacant65.3%
Price-to-income7.0x
Est. income to buy$106,000