Real Estate Investing in Roosevelt, Arizona (85545)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 85545 (Roosevelt, AZ)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 34.4% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Roosevelt, AZ (85545)?
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Market Analysis: 85545 Roosevelt
ZIP 85545 inside Gila County looks affordable on the surface — median value of $251K — but the discount exists for reasons that a careful buyer should understand before committing.
Rent of $1,377/mo on a $251K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 85545 sits below the stated 0.0% once reality is priced in.
Within AZ, ZIP 85545 trails on several market indicators that neighboring Gila County submarkets outperform. The gap is real and notable enough to shape underwriting.
The 85545 ZIP's population of 669 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that comes in at the need for careful underwriting.
seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Roosevelt:
Market Trends
Home Value History (with trend line)
📊 How Does 85545 Compare?
| Metric | 85545 | Roosevelt | Payson, AZ | Arizona |
|---|---|---|---|---|
| Home Value | $251,162 | $251,162 | N/A | $419,643 |
| 5-Year CAGR | N/A | N/A | N/A | 6.5% |
| Avg Rent | $1,377 | $1,377 | N/A | - |
| Cap Rate | 4.3% | 4.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 85545 (Roosevelt, AZ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $251,162 |
| Monthly Rent | $1,377 |
| Price-to-Rent | 15.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.6% |
| Cap Rate | 4.3% |
| 5-Year IRR | 12.3% |
📈 Home Appreciation
| 1-Year | +8.1% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 85545
Population: 669
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
How do home values compare in Roosevelt, AZ?
Homes in Roosevelt, AZ typically sell near $251K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.
Should investors worry about vacancy in Roosevelt, AZ?
Vacancy in Roosevelt, AZ is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,377/mo.
What is the tenant pool like in Roosevelt, AZ?
The tenant pool in Roosevelt, AZ is solid, supported by local employment and population fundamentals. Rents of $1,377/mo are well-absorbed by the market.
How viable is house hacking in Roosevelt, AZ?
The house hack math a challenging in Roosevelt, AZ. Owner-occupant buyers benefit from the $1,377/mo rents and $251K home values.
Are landlord laws favorable in Roosevelt, AZ?
Rental owners in Roosevelt, AZ deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
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