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Joseph City CDP, AZ

ZIP 86032 — 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 86032

Median Home Value
$173,300
Median Rent
$717
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,113/mo PITI).

11%
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.

20.1 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 86032 in Joseph City CDP, AZ, a household would need roughly $48,000 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 $1,113. That sits below the local median household income ($75,786), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.1%+9% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
13.8%-7% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
50.9%+33% vs US avg
x
$173,300
Home Value
$717
Rent
1980
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.8%
  • 1-unit attached1.4%
  • 2-9 units3.1%
  • 10+ units0.0%
  • Mobile home & other35.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,300
Median rent$717
Owner-occupied71.1%
Vacant11.0%
Price-to-income2.3x
Est. income to buy$48,000