Real Estate Investing in Oro Valley, Arizona (85755)

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

Pima County • Population: 18,231 • Data updated: September 2026

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Should you buy in 85755 (Oro Valley, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
1 flag
  • High vacancy: 17.7% of homes vacant — above national norms.

What’s happening in Oro Valley, AZ (85755)?

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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 $505,080
Avg Monthly Rent $2,554
1% Rule ✗ Does Not Meet
Median Income $107,350
% Renters 10.1%

Market Analysis: 85755 Oro Valley

ZIP 85755 inside Pima County looks affordable on the surface — median value of $505K — but the discount exists for reasons that a careful buyer should understand before committing.

The 85755 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 85755 and stronger Oro Valley ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 85755 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 85755 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 Oro Valley:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.7× the median income
Value Trend
Declining (-1.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,554/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
Tucson, AZ Metro Area
More inventory, negotiating room for buyers
70 days
Average time to sell
Slow
9.0%
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 Tucson, AZ metro data
🏠

Property Strategy for 85755

Which property type performs best in this market?

Best for Cash Flow
3BR
4.1% cap rate
Best for Appreciation
4BR
+7.5% 5yr CAGR
Best Overall Value
5BR
$129,980/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $425,120 $2,100 3.6% +6.7% $212,560
3BR $514,135 $2,920 4.1% +7.0% $171,378
4BR $662,191 $3,360 3.7% +7.5% $165,548
5BR $649,902 +6.6% $129,980

Market Trends

Home Value History (with trend line)

$545K$479K$412K$346K$279K$213KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,702$2,591$2,481$2,370$2,260$2,149Dec 2023Apr 2025Jul 2026

📊 How Does 85755 Compare?

Metric 85755 Oro Valley Tucson, AZ Arizona
Home Value $505,080 $500,541 N/A $419,643
5-Year CAGR 3.3% 3.2% N/A 6.5%
Avg Rent $2,554 $2,212 N/A -
Cap Rate 3.9% 3.4% - -
💡 Why Invest in 85755? 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 85755 (Oro Valley, AZ). Anonymous, moderated, never written by AI.

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Property managers serving Pima County

Manage rentals here? List your business →

Fort Lowell Realty & Property Management provides realty and property management services in Tucson. summary from their website

Unclaimed — is this your business? Claim it free

WilsonPs.com is a domain name for sale. summary from their website

Unclaimed — is this your business? Claim it free
Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.9%
Low
5yr Growth
+3.3%
Moderate

📉 Market Crash Risk Index

Based on Tucson, AZ metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
57%
Days Pending
2/2
70 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $505,080
Monthly Rent $2,554
Price-to-Rent 16.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 3.9%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year -1.4% ▼
3-Year CAGR +0.1% ▲
5-Year CAGR +3.3% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year +7.1% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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
17.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 85755

Population: 18,231

💰 Median Household Income
$107,350
This area
$107,350
State
$66,355
USA
$74,580
🏠 Renter Occupied
10.1%
This area
10.1%
State
28.6%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-23.2%
USA
3.7%
🎓 College Educated
61.6%
This area
61.6%
State
-1.0%
USA
33.7%
👤 Median Age
60.9 years
This area
60.9 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
17.7%
This area
17.7%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 82.3%
Other/Mixed 12.3%
Hispanic/Latino 7.4%
Asian 3.9%
Black/African American 1.6%
👶 Under 18
16.2%
This area
16.2%
USA
22.0%
👴 65 and Over
43.6%
This area
43.6%
USA
17.3%
📊 Poverty Rate
3.0%
This area
3.0%
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 85755

B Avg School Grade
3 Schools
14.5:1 Avg Class Size
$10,583 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Painted Sky Elementary School

📚 Pre-K – 05 Elementary
👥
431 Students
👨‍🏫
14.8:1 Class Size
💰
$11,759 Per Student
B+ Above Average

The Innovation Academy

📚 Pre-K – 05 Elementary
👥
425 Students
👨‍🏫
14.3:1 Class Size
💰
$11,759 Per Student
C Below Average

Leman Academy of Excellence-Oro Valley Arizona

📚 K – 08 School Charter Limited Data
👥
1,018 Students
💰
$8,230 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

3 Nearby
C+
Kino College
29 students · 10.4 mi
C
Tucson College of Beauty
134 students · 13.1 mi
C
Arizona School of Acupuncture and Oriental Medicine
20 students · 14.4 mi

Frequently Asked Questions

Is Oro Valley, AZ a good market for buy-and-hold investors?

Investors tracking Oro Valley, AZ will find a 3.0/5 rating supported by $505K median home values and $2,554/mo rents. That profile suits long-term holders targeting stable returns.

Which investment style suits Oro Valley, AZ?

A careful cash-flow rentals with hands-on management strategy Oro Valley, AZ best. The market produces steady results for that approach at the $505K price point.

Are eviction rules reasonable in Oro Valley, AZ?

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

Can owner-occupants cash flow in Oro Valley, AZ?

Oro Valley, AZ offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $2,554/mo rent level.

How high is vacancy risk in Oro Valley, AZ?

Vacancy risk in Oro Valley, AZ is elevated. That supports predictable cash flow for typical rental holds.

You know 85755 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 85755 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 85755 ranks in Tucson, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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