Real Estate Investing in Saint David, Arizona (85630)

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

Cochise County • Population: 1,942 • Data updated: September 2026

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Should you buy in 85630 (Saint David, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (34/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 31.3% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 27.6 — hard to cash-flow at these prices.

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

What’s happening in Saint David, AZ (85630)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $325,291
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $52,244
% Renters 20.6%

Market Analysis: 85630 Saint David

The 85630 ZIP in Saint David, AZ is a local-operator market. Outside capital chasing a $325K entry has to pair deep knowledge with the discount.

Put differently, the numbers look inviting — $325K purchase price, 0.0% nominal cap — the work to hit that pro forma in 85630 is substantial and deserves full respect.

Regionally, 85630 sits on the difficult end of the AZ spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

Stepping back, 1,942 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Distressed ZIPs reward experience. impressive returns are possible in 85630, but they flow to investors who already understand how to operate in soft markets.

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 Saint David:

C Below Average
Buy Confidence Score: 51/100
Affordability
5/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.2× the median income
Value Trend
Rising (+4.9%)
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)

$339K$298K$257K$216K$175K$134KFeb 2008May 2017Jul 2026

📊 How Does 85630 Compare?

Metric 85630 Saint David Sierra Vista-Douglas, AZ Arizona
Home Value $325,291 $325,291 N/A $419,643
5-Year CAGR 4.0% 4.0% N/A 6.5%
Avg Rent $981 $981 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 85630? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 85630 (Saint David, AZ). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+4.0%
Moderate

📊 Market Snapshot

Home Value $325,291
Monthly Rent $981
Price-to-Rent 27.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.4%
5-Year IRR 6.3%

📈 Home Appreciation

1-Year +4.9% ▲
3-Year CAGR +2.9% ▲
5-Year CAGR +4.0% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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
31.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.0%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 85630

Population: 1,942

💰 Median Household Income
$52,244
This area
$52,244
State
$66,355
USA
$74,580
🏠 Renter Occupied
20.6%
This area
20.6%
State
28.6%
USA
34.0%
💼 Unemployment Rate
0.4%
This area
0.4%
State
-23.2%
USA
3.7%
🎓 College Educated
21.7%
This area
21.7%
State
-1.0%
USA
33.7%
👤 Median Age
41.5 years
This area
41.5 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
31.3%
This area
31.3%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 81.1%
Other/Mixed 18.9%
Hispanic/Latino 13.9%
👶 Under 18
27.2%
This area
27.2%
USA
22.0%
👴 65 and Over
26.7%
This area
26.7%
USA
17.3%
📊 Poverty Rate
14.9%
This area
14.9%
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 85630

B Avg School Grade
3 Schools
14.3:1 Avg Class Size
$12,830 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

St David Elementary School

📚 Pre-K – 08 School
👥
300 Students
👨‍🏫
14.8:1 Class Size
💰
$12,830 Per Student
B Good

St David High School

📚 09 – 12 High School
👥
136 Students
👨‍🏫
13.8:1 Class Size
💰
$12,830 Per Student
C Below Average

CTD - St. David High School

📚 09 – 12 High School Limited Data
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

Where do rents currently stand in Saint David, AZ?

Rental rates in Saint David, AZ average $981/mo. Tenant demand and $325K home values make the yield look reasonable by investor standards.

Is housing expensive in Saint David, AZ?

The median home value in Saint David, AZ is roughly $325K. That puts it reasonable relative to the AZ statewide average.

Does Saint David, AZ make sense for an investment property?

Saint David, AZ scores 3.0/5 for investability. Home values sit at $325K and rents near $981/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How tight is the rental market in Saint David, AZ?

Rental vacancy in Saint David, AZ is elevated. Investors should budget normal turnover but not chronic empty units.

Is it easy to find good tenants in Saint David, AZ?

Expect a solid tenant pool in Saint David, AZ. The rental market absorbs $981/mo rents without meaningful friction.

You know 85630 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 85630 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 85630 ranks in Sierra Vista-Douglas, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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