The story of this market
The typical home in ZIP 85548 sells for about $314,026, or $145 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $850 a month.
ZIP 85548 — Safford
The housing market in 85548 is characterized by low inventory and stable, modest price growth consistent with the broader Graham County region. As a PO Box-only ZIP code, residential data is sparse and largely reflects the surrounding Safford market conditions. Demand remains steady, driven by local employment in mining and agriculture, though limited supply keeps sales volume low.
This ZIP is best suited for local workers and those seeking affordable, rural-adjacent living in the Safford micropolitan area.
Median prices moved up 2.1% year over year.
Homes spend a median of 88 days on market with 5.2 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 17.8% · poverty 14.0% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 85548, Graham County AZ
The area is located in a high-desert climate zone with moderate wildfire risk and standard regional insurance requirements.
Economic momentum is driven by local government, agriculture, and mining operations in Graham County.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Arizona) — Senior Property Valuation Protection Option (Senior Freeze): Provides a 'freeze' on the valuation of the property for tax purposes, limiting the growth of the property tax burden for eligible seniors. State (Arizona) — Arizona Property Tax Assessment: The tax is calculated by applying an assessment ratio to the property's Limited Property Value (LPV). For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Arizona Property Tax Assessment: Property tax is calculated using the formula: (Full Cash Value or Limited Property Value) x Assessment Ratio = Net Assessed Value. The Net Assessed Value is then multiplied by the local tax rate. For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Delinquent Property Tax Lien Sale and 3-Year Redemption Foreclosure: The county treasurer sells a tax lien certificate via public auction to the investor bidding the lowest annual rate of interest (ranging from 16% down to 0% per annum under A.R.S. § 42-18114). State (Arizona) — Ad Valorem Property Taxation — Class 3 and Class 4 Residential Assessment: Imposes primary and secondary ad valorem taxes based on Limited Property Value (LPV). Formula: Net Assessed Value (NAV) = LPV × Assessment Ratio (10.0% for Class 3 owner-occupied under A.R.S.
The area is primarily rural with residents commuting to Safford or Thatcher for employment, typically via US-70.
Nearby amenities include the Gila River, Mount Graham recreation areas, and local parks in Safford.
The rental market is limited, primarily serving local workers and students, with low vacancy pressure.
The economy is anchored by the Safford micropolitan area, with major sectors including mining, agriculture, and public administration.
Transportation is heavily reliant on private vehicles with limited public transit options.
Development is primarily focused on small-scale residential infill and agricultural support infrastructure.
Graham County Assessor manages property valuations using a mass appraisal system based on market sales.
Parcels are subject to Graham County, Safford Unified School District, and local fire district levies.
Property insurance premiums are influenced by regional wildfire risk and the proximity to fire protection services.
Data retrieved from ZCTA-level census profiles and local market aggregators.
No public schools report a street address in this area. Source: NCES EDGE public school locations 2023-24.
Major regional waterway providing irrigation and recreational access.
High-elevation mountain range offering hiking, camping, and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.