Market Overview
Home Prices in Oracle, AZ
The median home value in Oracle, AZ is $521,227 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and down 2.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oracle are priced27% above average. Oracle is part of the Phoenix-Mesa-Chandler, AZ metro area.
Over the past five years, Oracle home values have risen by approximately20.6%, reflecting strong long-term appreciation in this market.
Price History
Oracle Home Price Trend
City Comparison
Oracle vs. National Median
At $521,227, homes in Oracle cost 27% above the national median of $410,000. Buyers in Oracle should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Oracle?
20% Down Payment
$104,245
on $521,227
Monthly P&I
$2,718/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,452/mo
incl. taxes & insurance
Income Needed
$138,080
gross annual (30% rule)
10% Down Option
$52,123
+ PMI applies
Loan Amount (20% dn)
$416,982
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oracle, AZ?
The median home value in Oracle is $521,227 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Oracle?
Over the past year, home values in Oracle have increased by 1.4%. Over five years, prices have risen approximately 20.6%.
How much do I need to earn to buy a home in Oracle?
To comfortably afford the median home price of $521,227 with a 20% down payment ($104,245) at today's rates (6.8%), you'd need a gross annual income of approximately $138,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Oracle compare to the national average home price?
The national median home value is approximately $410,000. At $521,227, homes in Oracle are 27% above the national average.
What metro area is Oracle part of?
Oracle is part of the Phoenix-Mesa-Chandler, AZ metropolitan area. Home prices and market conditions can vary across the broader metro region.