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Mormon Lake CDP, AZ

ZIP 86038 — 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 86038

Median Home Value
$267,900
Median Rent
N/A
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,721/mo PITI).

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 86038 in Mormon Lake CDP, 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 $1,721. That is about 68% above the local median household income ($43,939), 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 85% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
84.9%+724% vs US avg
x
Broadband Access
77.9%-10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
7.3%+7% vs US avg
x
Mortgage-Free
100.0%+162% vs US avg
x
$267,900
Home Value
N/A
Rent
1985
Year Built
2021
Moved In

Residents have lived here since ~2021 on average

Housing Structure

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

  • 1-unit detached87.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other12.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$267,900
Median rent$-666,666,666
Owner-occupied100.0%
Vacant84.9%
Price-to-income6.1x
Est. income to buy$74,000