Real Estate Investing in Mc Neal, Arizona (85617)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Cochise County • Population: 1,098 • Data updated: September 2026

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Should you buy in 85617 (Mc Neal, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (35/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (38/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 26.6% of homes vacant — above national norms.
  • Declining values: -2.4% 5-year CAGR — values have moved lower.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Mc Neal, AZ (85617)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $191,494
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $41,667
% Renters 19.1%

Market Analysis: 85617 Mc Neal

On balance, ZIP 85617 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $191K median. It rewards specialists, not generalists.

Distressed markets are won on execution, not on spreadsheets. ZIP 85617 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within AZ, ZIP 85617 trails on several market indicators that neighboring Cochise County submarkets outperform. The gap is real and resilient enough to shape underwriting.

Who lives in 85617 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Experienced landlords with local relationships tend to find 85617 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Mc Neal:

D Needs Caution
Buy Confidence Score: 38/100
Affordability
10/25
Appreciation
0/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Stable (+0.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Sierra Vista-Douglas, AZ Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Sierra Vista-Douglas, AZ metro data

Market Trends

Home Value History (with trend line)

$242K$218K$194K$170K$146K$122KMar 2008May 2017Jul 2026

📊 How Does 85617 Compare?

Metric 85617 Mc Neal Sierra Vista-Douglas, AZ Arizona
Home Value $191,494 $191,494 N/A $419,643
5-Year CAGR N/A N/A N/A 6.5%
Avg Rent $981 $981 N/A -
Cap Rate 4.0% 4.0% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 85617 (Mc Neal, AZ). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
4.0%
Fair
5yr Growth
-2.4%
Declining

📊 Market Snapshot

Home Value $191,494
Monthly Rent $981
Price-to-Rent 16.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.2%
Cap Rate 4.0%
5-Year IRR 1.6%

📈 Home Appreciation

1-Year +0.9% ▲
3-Year CAGR -3.4% ▼
5-Year CAGR -2.4% ▼
10-Year CAGR +3.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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.

Vacancy
26.6%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-2.4%
Declining
Eviction process: Fast Rent control: Favorable

Demographics in 85617

Population: 1,098

💰 Median Household Income
$41,667
This area
$41,667
State
$66,355
USA
$74,580
🏠 Renter Occupied
19.1%
This area
19.1%
State
28.6%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-23.2%
USA
3.7%
🎓 College Educated
18.0%
This area
18.0%
State
-1.0%
USA
33.7%
👤 Median Age
56.1 years
This area
56.1 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
26.6%
This area
26.6%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 82.3%
Other/Mixed 16.4%
Hispanic/Latino 8.5%
Black/African American 1.1%
Asian 0.3%
👶 Under 18
15.9%
This area
15.9%
USA
22.0%
👴 65 and Over
36.1%
This area
36.1%
USA
17.3%
📊 Poverty Rate
11.4%
This area
11.4%
USA
11.5%

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

🎓 Schools in 85617

B Avg School Grade
2 Schools
4.3:1 Avg Class Size
$18,933 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Mcneal Elementary School

📚 K – 08 School
👥
39 Students
👨‍🏫
4.3:1 Class Size
💰
$20,082 Per Student
C+ Average

Double Adobe Elementary School

📚 Pre-K – 08 School Limited Data
👥
39 Students
💰
$17,784 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

Are rents high in Mc Neal, AZ?

Mc Neal, AZ rentals go for roughly $981/mo a month. That puts gross yield in solid territory relative to $191K acquisition costs.

Is the tenant base reliable in Mc Neal, AZ?

The renter base in Mc Neal, AZ is reasonable for the $981/mo price point. Screening well and pricing to market typically yields reliable tenants.

How much does a house cost in Mc Neal, AZ?

Homes in Mc Neal, AZ typically sell near $191K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

Are eviction rules reasonable in Mc Neal, AZ?

For rental operators, Mc Neal, AZ rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

How do experienced investors play Mc Neal, AZ?

The best-fit strategy in Mc Neal, AZ is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 85617 now. You don’t know where it ranks.

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How 85617 ranks in Sierra Vista-Douglas, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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