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Learn about the people, housing, costs and businesses in 85540
Real local data across mortgage, insurance, natural hazard, and place.
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 85540.
True all-in cost — P&I, taxes, insurance & utilities for homes in 85540.
Find and compare lenders active near 85540.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 85540 is approximately 6.933% (6.970% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 85540Based on a typical all-in ownership cost of $584/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $25k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 85540 is $77k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 85540 are agriculture and mining (60%) and manufacturing (56%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.