US5.com
  1. Home
  2. States
  3. Arizona
  4. ZIP 85737
  5. Housing & Real Estate
Oro Valley town, AZ

ZIP 85737 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 85737

Median Home Value
$433,600
Median Rent
$1,530
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,785/mo PITI).

17%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

23.6 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 85737 in Oro Valley town, AZ, a household would need roughly $119,000 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 $2,785. That is roughly in line with the local median household income ($106,812). 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
76.7%+17% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
28.6%-42% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$433,600
Home Value
$1,530
Rent
1996
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached74.1%
  • 1-unit attached4.6%
  • 2-9 units7.0%
  • 10+ units13.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$433,600
Median rent$1,530
Owner-occupied76.7%
Vacant6.5%
Price-to-income4.1x
Est. income to buy$119,000