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Whitecone CDP, AZ

ZIP 86031 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86031

Median Home Value
$71,800
Median Rent
$394
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$461/mo PITI).

15%
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.

15.2 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 86031 in Whitecone CDP, AZ, a household would need roughly $20,000 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 $461. That sits below the local median household income ($30,699), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.0%+6% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
36.1%-59% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
11.6%-77% vs US avg
x
Mortgage-Free
95.6%+150% vs US avg
x
$71,800
Home Value
$394
Rent
1989
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached92.1%
  • 1-unit attached0.9%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$71,800
Median rent$394
Owner-occupied69.0%
Vacant20.5%
Price-to-income2.3x
Est. income to buy$20,000