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St. Michaels CDP, AZ

ZIP 86511 — 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 86511

Median Home Value
$48,000
Median Rent
$556
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$308/mo PITI).

17%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

7.2 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 86511 in St. Michaels 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 $308. That sits below the local median household income ($39,342), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.4%+41% vs US avg
x
Vacancy Rate
36.2%+252% vs US avg
x
Broadband Access
48.0%-45% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
90.5%+137% vs US avg
x
$48,000
Home Value
$556
Rent
1991
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 detached64.6%
  • 1-unit attached0.3%
  • 2-9 units2.3%
  • 10+ units0.0%
  • Mobile home & other32.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$48,000
Median rent$556
Owner-occupied92.4%
Vacant36.2%
Price-to-income1.2x
Est. income to buy$13,000