ZIP code 86303

ZIP 86303 is a mid-size town in Yavapai County, Arizona, with 19,611 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #151 of 417 ranked by population — larger than 63% of them. The median age here is 58.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 86303 earn a median of $68,656 a year, 12.6% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 13.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 86303 is valued at $502,400, 65.6% above the national figure, while median gross rent runs $1,309 a month, 6.9% below the national figure, or roughly $15,708 across a full year. A household on the local median income would put about 22.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 7.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 68.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 7.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 58.7 puts ZIP 86303 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 86303 is tabulated inside Yavapai County, Arizona, one of 28 ZIP areas the Census publishes for that county and 417 across Arizona. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 86303 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 86303 reports a median household income of $68,656, 13% above the $60,917 county median, and 6% above the $64,475 typical AZ ZIP. Owner-occupied homes are valued at a median of $502,400, 58% above the county figure and 75% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,309 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Arizona charges 5.6% statewide, and local governments overlapping 86303 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 86303 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.