Real Estate Investing in Taylor, Arizona (85939)

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

Navajo County • Population: 3,729 • Data updated: September 2026

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Should you buy in 85939 (Taylor, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (58/100)

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

📈 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
  • Elevated vacancy: 11.8% vacancy may signal weakening demand.

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

What’s happening in Taylor, AZ (85939)?

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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 $382,005
Avg Monthly Rent $1,440
1% Rule ✗ Does Not Meet
Median Income $76,925
% Renters 19.0%

Market Analysis: 85939 Taylor

This part of Navajo County is not an easy win. The 85939 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $382K asset, 85939 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 85939 sits on the difficult end of the AZ spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

The 85939 ZIP's population of 3,729 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.

Distressed ZIPs reward experience. notable returns are possible in 85939, 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 Taylor:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Rising (+4.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,440/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
Show Low, AZ Metro Area
More inventory, negotiating room for buyers
93 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 Show Low, AZ metro data

Market Trends

Home Value History (with trend line)

$405K$345K$284K$224K$164K$103KJul 2006Jul 2016Jul 2026

📊 How Does 85939 Compare?

Metric 85939 Taylor Show Low, AZ Arizona
Home Value $382,005 $382,005 N/A $419,643
5-Year CAGR 4.2% 4.2% N/A 6.5%
Avg Rent $1,440 $1,440 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 85939? 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 85939 (Taylor, AZ). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+4.2%
Moderate

📉 Market Crash Risk Index

Based on Show Low, AZ metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
74%
Days Pending
2/2
93 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $382,005
Monthly Rent $1,440
Price-to-Rent 22.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year +4.1% ▲
3-Year CAGR +2.5% ▲
5-Year CAGR +4.2% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
11.8%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 85939

Population: 3,729

💰 Median Household Income
$76,925
This area
$76,925
State
$66,355
USA
$74,580
🏠 Renter Occupied
19.0%
This area
19.0%
State
28.6%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-23.2%
USA
3.7%
🎓 College Educated
24.0%
This area
24.0%
State
-1.0%
USA
33.7%
👤 Median Age
39.1 years
This area
39.1 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
11.8%
This area
11.8%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 87.8%
Other/Mixed 11.2%
Hispanic/Latino 6.7%
Black/African American 1.0%
👶 Under 18
29.7%
This area
29.7%
USA
22.0%
👴 65 and Over
19.1%
This area
19.1%
USA
17.3%
📊 Poverty Rate
9.2%
This area
9.2%
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 85939

C+ Avg School Grade
3 Schools
19.2:1 Avg Class Size
$13,421 Avg Per Pupil

Schools in This ZIP Code

C+ Average

Northern AZ Academy for Career Dev. - Taylor

📚 07 – 12 High School Charter Limited Data
👥
71 Students
💰
$21,148 Per Student
C+ Average

Taylor Elementary School

📚 K – 03 Elementary
👥
289 Students
👨‍🏫
18.7:1 Class Size
💰
$9,558 Per Student
C+ Average

Taylor Intermediate School

📚 04 – 06 School
👥
225 Students
👨‍🏫
19.7:1 Class Size
💰
$9,558 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

Is rental property easy to operate in Taylor, AZ?

AZ ranks as a landlord-friendly state for landlord-tenant law. Taylor generally follows the statewide framework, so landlords face reasonable operating rules.

What is the tenant pool like in Taylor, AZ?

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

Is housing expensive in Taylor, AZ?

Expect median prices around $382K in Taylor, AZ. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

Is Taylor, AZ a good market for FHA house hackers?

House hacking in Taylor, AZ is a challenging. With home values around $382K and rents at $1,440/mo, owner-occupants can offset a meaningful share of PITI.

How tight is the rental market in Taylor, AZ?

Vacancy in Taylor, AZ is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,440/mo.

You know 85939 now. You don’t know where it ranks.

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How 85939 ranks in Show Low, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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