Cost of Living in Oracle, AZ

Population 3,154 · Arizona · Data vintage 2023

Cost Index
(100 = US avg)

Page updated: April 2026 · Data vintage: 2023 ACS 5-Year

Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Buyers in Oracle can reasonably expect a home to cost less than three years of household income — $209,000 against $66,729 in typical earnings — a ratio that has collapsed to 5:1 or worse in much of the country.

Geographically, Oracle is about 30 miles north of Tucson, the nearest large metro. Median home values run roughly 14% lower than Tucson's $242,000.

Cost Overview

Housing 69

Rent 59

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Oracle

The median home value in Oracle is $209,000 — 31% below the national median of $305,000. Median rent runs $775/month, 41% lower than the national median of $1,314/month. The median household income of $66,729/year is 11% lower than the US median of $74,580. The local unemployment rate is 3.8%, below the national average of 4.8%. Arizona's top state income tax rate is 2.5% and the combined sales tax is 8.4%. Overall, Oracle has a cost of living index of 65 versus the US average of 100, meaning it is 35% less expensive.

📍

Oracle has limited residential data

Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:

Saddlebrooke, AZ

Median home: $471,700

Rent: $2,645/mo

Income: $90,888

Oro Valley, AZ

Median home: $440,400

Rent: $1,602/mo

Income: $105,342

Catalina Foothills, AZ

Median home: $604,100

Rent: $1,332/mo

Income: $113,201

Casas Adobes, AZ

Median home: $311,100

Rent: $1,516/mo

Income: $81,041

Marana, AZ

Median home: $380,100

Rent: $1,702/mo

Income: $108,256

🏠 Housing

Median Home Value

$209,000

31% below avg

Zillow Home Value

$197,494

Zillow ZHVI

Median Rent

$775/mo

41% below avg

Price-to-Rent Ratio

22.5x

Favors renting

Property Tax Rate

0.6%

Effective rate

HUD Fair Market Rents by Bedroom

Studio

$985

1 BR

$1,055

2 BR

$1,373

3 BR

$1,877

4 BR

$2,092

Owner-occupied 91.6%

Renter-occupied 8.4%

💰 Estimated Monthly Budget

Rent median rent

$775

Groceries national estimate

$400

Utilities local estimate

$88

Transportation local gas prices

$126

Estimated Total $1,389/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚

Eggs (dozen)

$0.548

🍞

White Bread (lb)

$1.912

🥩

Ground Beef (lb)

$5.61

🚗 Transportation

Avg Commute

41.4 min

53% above avg

Gas Price

$3.145/gal

0% below avg

Work From Home

11.6%

Commute Mode

Drove alone

75.8%

Carpooled

11.2%

Walked

1.4%

Work from home

11.6%

⚡ Utilities

Electricity

$0.176/kWh

0% below avg

📋 Taxes

State Income Tax (flat) 2.5%

Total Sales Tax 8.4%

State rate 5.6%

Avg local rate 2.8%

Property Tax 0.6%

💼 Income & Employment

Median Household Income

$66,729

11% below avg

Per Capita Income

$54,772

Unemployment Rate

3.8%

20% below avg

Poverty Rate

13.1%

Labor Force Participation

42.6%

🎓 Education

Bachelor's degree+ 9.8%

Graduate degree 11.2%

👥 Demographics

Median Age 60.5

Male median age 62

Female median age 60.1

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 64 — Moderate

29.9%

Good air days/yr

709

Max AQI recorded

PM2.5 days

155

Ozone days

Frequently Asked Questions

What is the cost of living in Oracle, AZ?

Oracle has a cost index of 65 (100 = national average). It is 35% below the national average.

What is average rent in Oracle, AZ?

The median gross rent in Oracle is $775 per month based on 2023 Census data.

What is the average home price in Oracle?

The median home value in Oracle is $209,000 according to Zillow and Census data.

What is the median income in Oracle?

The median household income in Oracle is $66,729 per year (2023 ACS 5-year estimates).

What is the sales tax in Oracle, AZ?

The combined state and local sales tax rate in Oracle is 8.4%. The Arizona state income tax top rate is 2.5%.

Is Oracle, AZ affordable?

Yes, Oracle is generally considered affordable, with a cost of living index of 65 — about 35% below the US national average of 100.

Oracle at a Glance

Population: 3,154
Median Income: $66,729
Home Value: $209,000
Median Rent: $775/mo
Unemployment: 3.8%
Sales Tax: 8.4%

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