Real Estate Investing in San Manuel, Arizona (85631)

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

Pinal County • Population: 3,283 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 85631 (San Manuel, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • 1-year downturn: Values declined 3.8% in the last year.

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

What’s happening in San Manuel, AZ (85631)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $154,069
Avg Monthly Rent $1,377
1% Rule ✗ Does Not Meet
Median Income $45,000
% Renters 21.4%

Market Analysis: 85631 San Manuel

This part of Pinal County is not an easy win. The 85631 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 85631 can be a a solid fit for hunting ground — but the discount at $154K reflects genuine risk that outside investors often underestimate.

Within AZ, ZIP 85631 trails on several market indicators that neighboring Pinal County submarkets outperform. The gap is real and resilient enough to shape underwriting.

The demographic picture in 85631 includes headwinds that any investor should price in. Income distribution skews lower than San Manuel averages, and tenant stability requires active management.

The right play in 85631 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 San Manuel:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
14/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Declining (-3.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,377/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Phoenix-Mesa-Chandler, AZ Metro Area
More inventory, negotiating room for buyers
64 days
Average time to sell
Slow
11.6%
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 Phoenix-Mesa-Chandler, AZ metro data
🏠

Property Strategy for 85631

Which property type performs best in this market?

Best for Cash Flow
3BR
8.7% cap rate
Best for Appreciation
2BR
+8.4% 5yr CAGR
Best Overall Value
3BR
$57,126/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $136,291 $1,530 8.1% +8.4% $68,146
3BR $171,378 $2,070 8.7% +6.8% $57,126

Market Trends

Home Value History (with trend line)

$183K$157K$131K$105K$79K$53KJul 2006Jul 2016Jul 2026

📊 How Does 85631 Compare?

Metric 85631 San Manuel Phoenix-Mesa-Chandler, AZ Arizona
Home Value $154,069 $154,069 N/A $419,643
5-Year CAGR 2.0% 2.0% N/A 6.5%
Avg Rent $1,377 $1,377 N/A -
Cap Rate 7.0% 7.0% - -
💡 Why Invest in 85631? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 85631 (San Manuel, AZ). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 85631 (San Manuel, AZ)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
7.0%
Good
5yr Growth
+2.0%
Slow

📊 Market Snapshot

Home Value $154,069
Monthly Rent $1,377
Price-to-Rent 9.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 10.7%
Cap Rate 7.0%
5-Year IRR 9.0%

📈 Home Appreciation

1-Year -3.8% ▼
3-Year CAGR -1.9% ▼
5-Year CAGR +2.0% ▲
10-Year CAGR +7.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 7.0%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (7.0%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.1%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.0%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 85631

Population: 3,283

💰 Median Household Income
$45,000
This area
$45,000
State
$66,355
USA
$74,580
🏠 Renter Occupied
21.4%
This area
21.4%
State
28.6%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-23.2%
USA
3.7%
🎓 College Educated
10.1%
This area
10.1%
State
-1.0%
USA
33.7%
👤 Median Age
52.6 years
This area
52.6 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
5.1%
This area
5.1%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 75.2%
Other/Mixed 24.8%
Hispanic/Latino 18.8%
👶 Under 18
14.0%
This area
14.0%
USA
22.0%
👴 65 and Over
26.8%
This area
26.8%
USA
17.3%
📊 Poverty Rate
18.0%
This area
18.0%
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 85631

B+ Avg School Grade
4 Schools
14.7:1 Avg Class Size
$32,166 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

First Avenue Elementary School

📚 Pre-K – 06 School
👥
223 Students
👨‍🏫
14.9:1 Class Size
💰
$14,392 Per Student
B+ Above Average

San Manuel High School

📚 09 – 12 High School
👥
184 Students
👨‍🏫
13.1:1 Class Size
💰
$14,392 Per Student
B Good

San Manuel Jr. High School

📚 06 – 08 Middle
👥
112 Students
👨‍🏫
16.0:1 Class Size
💰
$14,392 Per Student
B Good

PCJTED - San Manuel High School

📚 09 – 12 High School Limited Data
💰
$85,487 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

What is the investability score for San Manuel, AZ?

Yes - San Manuel, AZ a 3.0/5 investability score. With $154K home prices against $1,377/mo monthly rent, the market delivers a reasonable entry point for new investors.

How strong is tenant demand in San Manuel, AZ?

San Manuel, AZ draws a predictable base of working renters. Demand at the $1,377/mo rent level is reasonable for standard single-family and small multi rentals.

How much do tenants pay in San Manuel, AZ?

Expect rents around $1,377/mo per month in San Manuel, AZ. With home values at $154K, the yield math works out to reasonable levels for rental investors.

What kind of vacancy should I budget for in San Manuel, AZ?

San Manuel, AZ vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Where do home prices stand in San Manuel, AZ?

San Manuel, AZ median home values land near $154K. That is reasonable territory for investors looking at $1,377/mo-per-month rentals.

You know 85631 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 85631 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.

Compare Plans

How 85631 ranks in Phoenix-Mesa-Chandler, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 85631 (San Manuel)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 85631 (San Manuel, AZ).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.