ZIP 85342

85342 is one of 28 ZIP codes that lie mostly in Yavapai County, AZ — 56% of its own area is in the county.

Shaded by typical home value, it ranks 14 of the 23 with a value.

1 school location in 85342: 1 middle.

In alphabetical order: Morristown Elementary School. Locations only — no ratings are shown here.

In January 2000 the typical home in 85342 was worth $118,695.

Values peaked at $410,523 in February 2026. The latest reading is −1.5% from that peak.

As of August 2026: $404,305, +0.1% over twelve months.

Start with the typical home: $404,305. Put 20% down and borrow $323,444 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,239 a month in principal and interest.

The median household here earns $53,996 a year, $4,500 a month. So the payment takes 49.8% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 14.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $711.

In December 2020, with rates at 2.68%, it was $977.

By August 2026, at 6.67%, it was $2,080 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +241% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $234,257. So the real change is +73%, not +241%.

85342: +241% since January 2000.

Yavapai County: +263% since January 2000.

Arizona: +207% since January 2000 — 85342 ran ahead of it by 34 points.

Against 398 Arizona ZIP codes, 85342 sits at the 14th percentile for affordability (price vs local income).

60th for appreciation (recent value growth); 2nd for rental yield (rent vs price).

Owning the typical home costs about $2,644 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $525 a month.

Price divided by a year's rent: 64.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 200% of it, and below it in 9 of the last 24 months.

Across Yavapai County, builders pulled permits for 1,718 new homes in 2025.

Of those, 78% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Yavapai County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,424 moved in. Among the ten receiving the most, 3,094 moved out.

Net across those counties: +1,330 households. Beside it, homes for sale in this ZIP: 13 in June 2026.

Most arrivals came from Maricopa, AZ (2,297 households); most departures went to Maricopa, AZ (1,817).

Of 282 homes with a recorded purchase date, 7% have had the same owner for 20 years or more, and 41% changed hands in the last five.

53% are owned from a different mailing address, 15% from out of state.