Median home value in zip code 86038 (Mormon Lake, AZ) is $385,208, up 3.3% year over year. Part of the Flagstaff, AZ metropolitan area.

Home Value$385,208

YoY Change

+3.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 86038 (Mormon Lake).

Income (annual)

Down Payment

$77,042 on $385,208

Example: $75,000 household income. Change it above to see your own.

Out of reach36.8% of income

Need $98,443/yr to afford.

PITI$2,297

P/I36.8%

Afford$293K

Gap-$92K

P&I $1,948Tax $199Ins $150

6.50% 30yr, 20% down, county tax + AZ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

86038 is part of the Flagstaff, AZ metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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