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Surprise city, AZ

ZIP 85342 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85342

Median Home Value
$268,200
Median Rent
$677
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,723/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

33.0 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 85342 in Surprise city, AZ, a household would need roughly $74,000 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 $1,723. That is about 37% above the local median household income ($53,996), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.5%+31% vs US avg
x
Vacancy Rate
14.0%+36% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
47.1%+23% vs US avg
x
$268,200
Home Value
$677
Rent
1994
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.2%
  • 1-unit attached1.1%
  • 2-9 units3.7%
  • 10+ units0.0%
  • Mobile home & other22.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$268,200
Median rent$677
Owner-occupied85.5%
Vacant14.0%
Price-to-income5.0x
Est. income to buy$74,000