The story of this market
The typical home in ZIP 86320 sells for about $186,600, or $135 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 98 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 86320 — Ash Fork
The 86320 housing market is a quiet, rural buyer's market characterized by low turnover and high inventory relative to sales volume. Prices remain modest compared to urban Arizona, driven by the area's remote location and limited economic base. Note that specific metrics like active inventory and price-cut percentages are estimated based on regional trends as precise ZIP-level data is not consistently published.
This ZIP is best suited for retirees or individuals seeking affordable, rural living who are comfortable with a remote lifestyle and long commutes to regional employment hubs.
Median prices moved up 2.1% year over year.
Homes spend a median of 98 days on market with 14.0 months of supply — a slower-moving market.
13% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.8% · poverty 18.5% — a mixed stability 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 5.5%/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 5.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 86320, Yavapai County AZ
The area is subject to high wildfire risk typical of northern Arizona's rural high-desert terrain.
Economic activity is limited, with the area serving primarily as a rural residential and transit corridor along I-40.
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) — Statutory Residential Homestead Exemption: Exempts up to $400,000 of equity in an owner-occupied primary dwelling from attachment, execution, and forced sale arising from unsecured civil judgment liens.
Commuting is heavily reliant on personal vehicles, with residents typically driving to Williams or Flagstaff for employment.
The area offers access to expansive high-desert landscapes, hiking trails, and proximity to the Kaibab National Forest.
The rental market is thin with limited inventory, primarily consisting of single-family homes and mobile homes.
The local economy is largely driven by small-scale services, tourism, and regional transit support along the I-40 corridor.
Parcels are served by the Ash Fork Joint Unified School District.
Insurance premiums are elevated due to significant wildfire risk and the rural nature of the geography.
Data retrieved from US Census Bureau ZCTA profile for 86320.
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.
- Black Cat Bar4.515.5 mi
- Historic Angel's Barber Shop Museum4.715.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Provides extensive outdoor recreation and hiking opportunities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.