Oracle, Arizona.
Typical home $516,408 (+1.2% in a year), asking rent $2,000 . Phoenix-Mesa-Chandler, AZ metro.
to buy the typical home at today's mortgage rate — +$1,491 (+122%) since Jan 2020.
- 1 year
- Up $6,158 +1%
- $510,251$516,408 since Sep 2025
- 5 years
- Up $56,298 +12%
- $460,110$516,408 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Oracle$2,710
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 30 years.
Typical home values in Oracle, AZ rose 1.2% over the past year — in step with the nation.
Living in Oracle, Pinal County, Arizona
Oracle, in Pinal County, had 3,051 people in the 2020 census. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Pinal County was 5.7% in August 2026, and the county had 2.9% more jobs in 2025 than the year before. The most people in Pinal County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Oracle is a small community in Pinal County, and nearly everyone who lives here owns their home; renters are few. Typical home values and rents run high, and the share of residents below the poverty line is modest. Winters are cool, with a little snow most years, and summers are hot, with June the warmest month.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, professional and business services, and manufacturing. Some work from home, and a four-year degree is held by a minority of adults. Across Pinal County, the largest workplaces include Lucid Motors AMP1, which builds electric vehicles, and the Florence Unified School District.
Things to do. The Santa Catalina mountains and the desert around Tucson are the main draw, and each place below is a longer drive away. Saguaro National Park is the best known, a national park known for its giant cactus. Catalina State Park is a protected area of trails and desert, and Mount Lemmon Ski Valley is a ski area in the mountains, a rare snow day within reach of the desert.
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- 1,557households
- 23%of adults have a degree
- 13%below the poverty line
- 11%work from home
What people in Pinal County work in
Employed residents by industry, from the Census survey. Pinal County had 79,977 jobs in 2025, 2.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 55° and lows near 36°; warmest in June, with highs near 92° and lows near 66°. About 11 inches of snow and 22 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oracle Southeast weather station, 3 miles away (NOAA).
Largest workplaces in Pinal County
- Lucid Motors AMP1Automobile manufacturing of electric vehicles3,711
- Florence Unified School District (4437)School district1,235FTE
- Arizona Department of CorrectionsCorrectional institutions1,117
- Maricopa Unified School District (4441)School district1,075FTE
- Pinal CountySheriffs' offices1,053
- Casa Grande Elementary District (4446)School district912FTE
- WalmartRefrigerated warehousing and storage888
- CaesarsCasino840
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 182 workplaces with 20 or more staff, 26,046 people in all across the county; Oracle has one of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireVery high
- Inland floodingRelatively high
- LightningRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oracle’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pinal County and the Phoenix-Mesa-Chandler, AZ metro.
Oracle home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oracle$516,408
- Arizona$416,733
- United States$366,157
Sellers are cutting prices on about 1 in 5 Oracle listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Oracle18.44%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oracle63
New listings per month
Sellers arriving at the market.
- Oracle15
Zip codes with a Oracle address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oracle — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.