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Montezuma Creek CDP, UT

ZIP 84534 — 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 84534

Median Home Value
$60,000
Median Rent
$450
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$385/mo PITI).

11%
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.

11.1 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 84534 in Montezuma Creek CDP, UT, a household would need roughly $17,000 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 $385. That sits below the local median household income ($48,077), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
26.4%+156% vs US avg
x
Broadband Access
44.1%-49% vs US avg
x
4+ Bedrooms
2.7%-81% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
92.7%+143% vs US avg
x
$60,000
Home Value
$450
Rent
1992
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 detached62.5%
  • 1-unit attached2.3%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other33.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$60,000
Median rent$450
Owner-occupied83.5%
Vacant26.4%
Price-to-income1.2x
Est. income to buy$17,000