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Market MapArizonaPinal

Pinal County

ArizonaPopulation: 433,338Phoenix, AZ Metro
49
/100
Hold
#570 of 1,000 counties
#6 in Arizona (15 counties)

Market Snapshot

$363,094
Median Home Price
55% above national median
$1,784/mo
Median Rent
18% above national median
5.89%
Rent-to-Price Ratio
Top 51% nationally
-$744
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$363,094
Down Payment (20%)$72,619
Loan Amount$290,475
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,784
Monthly P&I-$1,903
Est. Expenses (35%)-$624
Net Cash Flow-$744/mo
3.8%
Cap Rate (all cash)
-10.7%
Cash-on-Cash Return
5.89%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
49/100
49
Cash Flow(30%)
58/100

Based on 5.89% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
33/100

Based on -3.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
56/100

Price-to-income ratio of 5.0x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Declining home values (-3.4% YoY)
  • -Negative cash flow at typical financing (-$744/mo)
  • -Negative leverage (cap rate 3.8% < mortgage rate 6.9%)

Economic Indicators

Population
433,338
Median Income
$73,313
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.0x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
La PazAZ
55$264,493Est. pending—HoldView
CurrentPinalAZ
49$363,094$1,7845.89%Hold
NavajoAZ
49$389,192$1,9586.04%HoldView
MohaveAZ
47$344,368$1,5735.48%HoldView
PimaAZ
46$339,306$1,5105.34%HoldView
GreenleeAZ
44$156,689Est. pending—AvoidView

The Bottom Line

HoldPinal is a neutral market. Consider house hacking or targeting below-market deals.

Pinal County in Arizona scores 49/100, ranking #570 of 1,000 US counties (top 75%). The 5.89% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-744/mo
Cap Rate
3.8%
Cash-on-Cash
-10.7%

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