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Flagstaff city, AZ

ZIP 86005 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86005

Median Home Value
$556,400
Median Rent
$1,388
Affordability Snapshot
$153,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,574/mo PITI).

20%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

33.4 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 86005 in Flagstaff city, AZ, a household would need roughly $153,000 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 $3,574. That is about 88% above the local median household income ($81,250), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.7%-12% vs US avg
x
Vacancy Rate
20.0%+94% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
4.1%-73% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
37.1%-3% vs US avg
x
$556,400
Home Value
$1,388
Rent
1994
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached64.0%
  • 1-unit attached3.2%
  • 2-9 units16.0%
  • 10+ units11.0%
  • Mobile home & other5.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$556,400
Median rent$1,388
Owner-occupied57.7%
Vacant20.0%
Price-to-income6.8x
Est. income to buy$153,000