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Chinle CDP, AZ

ZIP 86503 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86503

Median Home Value
$39,500
Median Rent
$288
Affordability Snapshot
$11,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$254/mo PITI).

11%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.4 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 86503 in Chinle CDP, AZ, a household would need roughly $11,000 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 $254. That sits below the local median household income ($30,313), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.0%+12% vs US avg
x
Vacancy Rate
18.7%+81% vs US avg
x
Broadband Access
35.2%-59% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
93.2%+144% vs US avg
x
$39,500
Home Value
$288
Rent
1991
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached64.2%
  • 1-unit attached1.0%
  • 2-9 units15.2%
  • 10+ units0.0%
  • Mobile home & other19.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$39,500
Median rent$288
Owner-occupied73.0%
Vacant18.7%
Price-to-income1.3x
Est. income to buy$11,000