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Fort Defiance CDP, AZ

ZIP 86504 — 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 86504

Median Home Value
$45,600
Median Rent
$448
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$293/mo PITI).

11%
Rent-to-Income Ratio

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

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.5 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 86504 in Fort Defiance CDP, AZ, a household would need roughly $13,000 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 $293. That sits below the local median household income ($47,227), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.3%+1% vs US avg
x
Vacancy Rate
22.6%+120% vs US avg
x
Broadband Access
48.1%-45% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
92.6%+142% vs US avg
x
$45,600
Home Value
$448
Rent
1980
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached74.6%
  • 1-unit attached0.0%
  • 2-9 units5.1%
  • 10+ units0.8%
  • Mobile home & other19.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$45,600
Median rent$448
Owner-occupied66.3%
Vacant22.6%
Price-to-income1.0x
Est. income to buy$13,000