Real Estate Investing in Sierra Vista, Arizona (85650)

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

Cochise County • Population: 14,154 • Data updated: September 2026

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Should you buy in 85650 (Sierra Vista, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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
CLEAN

No major risk flags on the data we track.

What’s happening in Sierra Vista, AZ (85650)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $364,767
Avg Monthly Rent $1,999
1% Rule ✗ Does Not Meet
Median Income $77,083
% Renters 19.7%

Market Analysis: 85650 Sierra Vista

ZIP 85650 in Sierra Vista, AZ carries a durable set of headwinds. Home values near $365K and rents of $1,999/mo sit inside a market where underwriting has to be tight.

Stepping back, the numbers look inviting — $365K purchase price, 0.0% nominal cap — the work to hit that pro forma in 85650 is substantial and deserves full respect.

Regionally, 85650 sits on the difficult end of the AZ spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

A substantial renter share of 20% in 85650 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategically, 85650 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Sierra Vista:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.7× the median income
Value Trend
Stable (+2.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,999/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
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
🏠

Property Strategy for 85650

Which property type performs best in this market?

Best for Cash Flow
4BR
4.8% cap rate
Best for Appreciation
2BR
+7.8% 5yr CAGR
Best Overall Value
4BR
$97,124/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $317,062 $1,530 3.5% +7.8% $158,531
3BR $339,517 $2,130 4.5% +6.9% $113,172
4BR $388,496 $2,570 4.8% +6.6% $97,124

Market Trends

Home Value History (with trend line)

$378K$340K$302K$263K$225K$186KMar 2008May 2017Jul 2026

Rent History (with trend line)

$2,056$1,991$1,925$1,860$1,795$1,729Sep 2025Mar 2026Jul 2026

📊 How Does 85650 Compare?

Metric 85650 Sierra Vista Sierra Vista-Douglas, AZ Arizona
Home Value $364,767 $317,628 N/A $419,643
5-Year CAGR 4.5% 4.4% N/A 6.5%
Avg Rent $1,999 $1,657 N/A -
Cap Rate 4.3% 4.0% - -
💡 Why Invest in 85650? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 85650 (Sierra Vista, AZ). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+4.5%
Moderate

📊 Market Snapshot

Home Value $364,767
Monthly Rent $1,999
Price-to-Rent 15.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +2.4% ▲
3-Year CAGR +2.7% ▲
5-Year CAGR +4.5% ▲
10-Year CAGR +6.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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.

Vacancy
7.6%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 85650

Population: 14,154

💰 Median Household Income
$77,083
This area
$77,083
State
$66,355
USA
$74,580
🏠 Renter Occupied
19.7%
This area
19.7%
State
28.6%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-23.2%
USA
3.7%
🎓 College Educated
36.7%
This area
36.7%
State
-1.0%
USA
33.7%
👤 Median Age
49.5 years
This area
49.5 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
7.6%
This area
7.6%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 73.4%
Other/Mixed 19.2%
Hispanic/Latino 8.8%
Black/African American 5.4%
Asian 2.0%
👶 Under 18
22.1%
This area
22.1%
USA
22.0%
👴 65 and Over
29.0%
This area
29.0%
USA
17.3%
📊 Poverty Rate
5.5%
This area
5.5%
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 85650

B Avg School Grade
2 Schools
16.5:1 Avg Class Size
$12,574 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Coronado Elementary School

📚 K – 08 School
👥
419 Students
👨‍🏫
17.1:1 Class Size
💰
$15,026 Per Student
B Good
👥
406 Students
👨‍🏫
15.8:1 Class Size
💰
$10,121 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.

🎓 Nearby Colleges & Universities

1 Nearby 1,720 Off-Campus Students
C+
Cochise County Community College District
3,782 students · 5.4 mi

Investor Insight: With 1,720 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is housing expensive in Sierra Vista, AZ?

Sierra Vista, AZ home values average about $365K. That price point suits investors targeting rentals with $1,999/mo in monthly income.

How strong is tenant demand in Sierra Vista, AZ?

Working renters make up the core of the Sierra Vista, AZ tenant base. The pool is reasonable for investors targeting long-term holds.

Should investors consider Sierra Vista, AZ?

With a 3.0/5 investability score, Sierra Vista, AZ ranks as a solid market for rental property investors. Median prices of $365K and rents of $1,999/mo drive the underlying numbers.

Is vacancy a concern in Sierra Vista, AZ?

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

How strict are landlord regulations in Sierra Vista, AZ?

Rental owners in Sierra Vista, AZ deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

You know 85650 now. You don’t know where it ranks.

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How 85650 ranks in Sierra Vista-Douglas, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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