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Village of Oak Creek (Big Park) CDP, AZ

ZIP 86351 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86351

Median Home Value
$658,300
Median Rent
$1,368
Affordability Snapshot
$181,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,229/mo PITI).

20%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

40.1 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 86351 in Village of Oak Creek (Big Park) CDP, AZ, a household would need roughly $181,000 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 $4,229. That is about 125% above the local median household income ($80,304), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.5%-4% vs US avg
x
Vacancy Rate
23.9%+133% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
23.4%-53% vs US avg
x
Mortgage-Free
53.2%+39% vs US avg
x
$658,300
Home Value
$1,368
Rent
1992
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 detached68.4%
  • 1-unit attached6.4%
  • 2-9 units12.9%
  • 10+ units9.5%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$658,300
Median rent$1,368
Owner-occupied62.5%
Vacant23.9%
Price-to-income8.2x
Est. income to buy$181,000