The story of this market
The typical home in ZIP 85630 sells for about $567,000, or $189 per square foot.
Prices are up +8.8% from a year ago, so sellers still have some momentum. Homes take about 117 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $850 a month.
ZIP 85630
The 85630 housing market is characterized by low transaction volume and rural property dynamics, with a median sale price of $567,000 based on limited recent sales. Market activity is slow, with high days on market and a significant portion of the housing stock being vacant or seasonal. The area remains an affordable, quiet alternative to larger regional hubs, driven by local demand rather than speculative development.
This ZIP is best suited for those seeking a quiet, rural lifestyle, including retirees or individuals working remotely who prioritize space and affordability over proximity to urban amenities.
Median prices moved up 8.8% year over year.
Homes spend a median of 117 days on market with 1.2 months of supply — a balanced-paced market.
24% of listings have cut prices · homes sell at 96.5% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 14.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 11.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 85630, Cochise County, AZ
The area is served by the St. David Unified School District, which is generally characterized by its small-town, rural educational environment.
The region faces typical arid-climate risks including wildfire potential and occasional flash flooding; property insurance availability and premiums are influenced by these regional environmental factors.
Economic momentum is largely tied to the broader Cochise County economy, including proximity to Fort Huachuca and regional agricultural sectors, with limited large-scale commercial development within the ZIP itself.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Arizona) — Senior Property Valuation Protection Option (Senior Freeze): Provides a 'freeze' on the valuation of the property for tax purposes, limiting the growth of the property tax burden for eligible seniors. State (Arizona) — Arizona Property Tax Assessment: The tax is calculated by applying an assessment ratio to the property's Limited Property Value (LPV). For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Arizona Property Tax Assessment: Property tax is calculated using the formula: (Full Cash Value or Limited Property Value) x Assessment Ratio = Net Assessed Value. The Net Assessed Value is then multiplied by the local tax rate. For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Delinquent Property Tax Lien Sale and 3-Year Redemption Foreclosure: The county treasurer sells a tax lien certificate via public auction to the investor bidding the lowest annual rate of interest (ranging from 16% down to 0% per annum under A.R.S. § 42-18114). State (Arizona) — Ad Valorem Property Taxation — Class 3 and Class 4 Residential Assessment: Imposes primary and secondary ad valorem taxes based on Limited Property Value (LPV). Formula: Net Assessed Value (NAV) = LPV × Assessment Ratio (10.0% for Class 3 owner-occupied under A.R.S.
Residents typically rely on personal vehicles for commuting, with travel times to regional employment hubs like Sierra Vista or Benson generally ranging from 20 to 40 minutes.
The area offers access to rural outdoor recreation, including hiking and scenic desert landscapes, with limited immediate access to large-scale urban shopping or entertainment venues.
The rental market is characterized by low inventory and limited depth, with a mix of long-term rentals and occasional rural housing stock; vacancy rates are high due to the rural nature of the area.
The local economy is primarily supported by agriculture, regional government services, and proximity to the Fort Huachuca military installation in neighboring Sierra Vista.
Transportation is almost exclusively dependent on private vehicle use via state highways; there is no significant public transit infrastructure.
There are no major large-scale commercial or residential developments currently reported as under construction within the ZIP code boundaries.
Cochise County Assessor manages property valuations based on standard Arizona statutory assessment ratios.
Parcels are subject to standard county and school district levies; no major MUD or PID districts are reported.
Property insurance premiums are subject to regional wildfire and environmental risk adjustments common to rural Cochise County.
Data retrieved from US Census Bureau ACS 5-year estimates and ZIP-Codes.com.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment. Source: NCES EDGE public school locations 2023-24.
A major regional attraction for birdwatching and hiking located near the area.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.