Oracle, AZ

The affordability dashboard for Oracle, AZ aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 4,073 residents, then layers in county-level federal data to produce an overall grade of D (44/100). The headline inputs are median household income of $68,541, median home value of $428,200, median rent of — per month, and 43.3% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,839 per month (studio $1,457, 1BR $1,583, 3BR $2,452, 4BR $2,720). Department of Labor data lists infant center-based childcare at $10,855 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Oracle, AZ include education. Pressure points are housing. Unemployment currently reads 2.4% and poverty 12.8% — numbers worth keeping alongside the headline grade.