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Gilbert town, AZ

ZIP 85295 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85295

Median Home Value
$527,400
Median Rent
$1,771
Affordability Snapshot
$145,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,388/mo PITI).

18%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.8 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 85295 in Gilbert town, AZ, a household would need roughly $145,000 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 $3,388. That is about 25% above the local median household income ($116,288), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.1%-2% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
12.4%-16% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
22.0%-42% vs US avg
x
$527,400
Home Value
$1,771
Rent
2006
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached73.0%
  • 1-unit attached4.1%
  • 2-9 units5.4%
  • 10+ units17.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$527,400
Median rent$1,771
Owner-occupied64.1%
Vacant2.6%
Price-to-income4.5x
Est. income to buy$145,000