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Bagdad CDP, AZ

ZIP 86321 — 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 86321

Median Home Value
$50,300
Median Rent
$381
Affordability Snapshot
$14,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$323/mo PITI).

5%
Rent-to-Income Ratio

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

0.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.0 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 86321 in Bagdad CDP, AZ, a household would need roughly $14,000 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 $323. That sits below the local median household income ($85,446), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
13.5%-79% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
96.3%+152% vs US avg
x
$50,300
Home Value
$381
Rent
1981
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached37.4%
  • 1-unit attached23.1%
  • 2-9 units9.6%
  • 10+ units0.0%
  • Mobile home & other29.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$50,300
Median rent$381
Owner-occupied13.5%
Vacant5.1%
Price-to-income0.6x
Est. income to buy$14,000