Where to buy · data table
The most affordable places to buy a house in Arizona
All 43 Arizona places with at least 20,000 residents, ranked by median home value, with the costs that follow the price: taxes, owner costs, and commute.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Pam Messina at Rebel Rate Mortgage. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your home search, so the homes you see match what you qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
What are the most affordable places to buy a house in Arizona?
Quick answer: Among Arizona places with 20,000+ residents, Fortuna Foothills has the lowest Census median home value ($199,200), followed by Apache Junction and Bullhead City ($211,500 each), Rio Rico, San Luis, and Yuma. The statewide median is $394,500. Medians aren't listing prices, so compare homes by monthly payment.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25077 (summary file). Last updated .
Price is only half of affordable
A low price can come with higher taxes, a longer drive, or both. Kingman and Tucson have almost the same median home value ($267,700 and $266,200), but Tucson owners pay a median $1,786 a year in real estate taxes and Kingman owners pay $1,006, a difference of $780 a year. That's why the table shows taxes as a share of value next to the price.
Every Arizona place with 20,000+ residents
| Place | Median home value | Median taxes paid (yr) | Taxes ÷ value | Median owner costs with a mortgage (mo) | Mean commute (min) |
|---|---|---|---|---|---|
| Fortuna Foothills | $199,200 | $1,218 | 0.61% | $1,302 | 23.6 |
| Apache Junction | $211,500 | $908 | 0.43% | $1,541 | 28.1 |
| Bullhead City | $211,500 | $1,036 | 0.49% | $1,300 | 20.4 |
| Rio Rico | $224,100 | $1,424 | 0.64% | $1,248 | 28.3 |
| San Luis | $224,900 | $1,337 | 0.59% | $1,093 | 26.9 |
| Yuma | $230,000 | $1,463 | 0.64% | $1,489 | 18.4 |
| Drexel Heights | $250,100 | $1,723 | 0.69% | $1,457 | 26.8 |
| Sierra Vista | $254,200 | $1,437 | 0.57% | $1,459 | 17.5 |
| Tucson | $266,200 | $1,786 | 0.67% | $1,482 | 21.9 |
| Kingman | $267,700 | $1,006 | 0.38% | $1,308 | 17.7 |
| Sun City (age-restricted) | $280,900 | $977 | 0.35% | $1,154 | 24.1 |
| Green Valley | $293,500 | $1,831 | 0.62% | $1,269 | 24.9 |
| Casa Grande | $303,900 | $1,473 | 0.48% | $1,635 | 23.3 |
| El Mirage | $321,900 | $1,079 | 0.34% | $1,533 | 30.1 |
| Casas Adobes | $343,400 | $2,595 | 0.76% | $1,697 | 25.6 |
| Florence | $346,300 | $2,225 | 0.64% | $1,839 | 30.9 |
| Sahuarita | $364,300 | $2,679 | 0.74% | $1,762 | 28.6 |
| Maricopa (city) | $377,200 | $2,200 | 0.58% | $1,849 | 36.6 |
| Sun City West (age-restricted) | $377,800 | $1,655 | 0.44% | $1,441 | 21.7 |
| Glendale | $387,500 | $1,612 | 0.42% | $1,705 | 27.7 |
| Avondale | $394,600 | $1,799 | 0.46% | $1,790 | 28.1 |
| Mesa | $408,000 | $1,604 | 0.39% | $1,843 | 24.7 |
| San Tan Valley | $410,100 | $1,601 | 0.39% | $1,794 | 36.4 |
| San Tan Valley | $410,100 | $1,601 | 0.39% | $1,794 | 36.4 |
| Prescott Valley | $413,200 | $1,792 | 0.43% | $1,622 | 21.9 |
| Marana | $413,800 | $3,428 | 0.83% | $1,981 | 27.7 |
| Buckeye | $419,800 | $2,081 | 0.50% | $1,887 | 33.3 |
| Phoenix | $420,700 | $1,850 | 0.44% | $1,847 | 25.6 |
| Surprise | $435,100 | $1,842 | 0.42% | $1,860 | 30.2 |
| Lake Havasu City | $455,400 | $1,754 | 0.39% | $1,627 | 15.9 |
| Tempe | $455,400 | $2,175 | 0.48% | $1,828 | 20.9 |
| Peoria | $463,600 | $2,160 | 0.47% | $1,958 | 28.2 |
| Goodyear | $471,300 | $2,551 | 0.54% | $2,067 | 29.6 |
| Oro Valley | $475,700 | $3,686 | 0.77% | $2,201 | 26.7 |
| Chandler | $507,800 | $2,258 | 0.44% | $2,044 | 23.9 |
| Flagstaff | $552,900 | $2,181 | 0.39% | $1,999 | 16.5 |
| Prescott | $564,100 | $1,885 | 0.33% | $1,867 | 19.0 |
| Anthem | $569,900 | $3,184 | 0.56% | $2,304 | 26.9 |
| Gilbert | $575,100 | $2,417 | 0.42% | $2,174 | 25.9 |
| Fountain Hills | $622,900 | $2,424 | 0.39% | $2,146 | 28.6 |
| Queen Creek | $635,400 | $2,754 | 0.43% | $2,389 | 31.1 |
| Catalina Foothills | $652,000 | $4,341 | 0.67% | $2,588 | 22.0 |
| Scottsdale | $789,800 | $2,956 | 0.37% | $2,577 | 21.6 |
Source: U.S. Census Bureau, ACS 2020–2024 5-year estimates (B25077, B25103, B25088, B08013/B08303), places with at least 20,000 residents. "Taxes ÷ value" divides two medians, so it's a rough comparison, not a parcel tax rate. Census medians cover all owner-occupied homes, including manufactured homes, and include owners who bought years ago. Places marked age-restricted are described on our 55-and-over communities guide.
What the table shows
- The low end of the table is mostly outside metro Phoenix. Yuma County (Fortuna Foothills, San Luis, Yuma), Mohave County (Bullhead City, Kingman), Santa Cruz County (Rio Rico), and Cochise County (Sierra Vista) fill the low end.
- Inside metro Phoenix, Apache Junction and El Mirage come in under every other place this size ($211,500 and $321,900). See most affordable Phoenix suburbs.
- County rates differ a lot. Average total rates across all property in FY2025-26 ranged from 8.58 per $100 in Yavapai and 9.19 in Mohave to 12.32 in Pinal and 13.63 in Pima (see property tax by city).
- Commute is a real cost. Mean travel time to work runs from 15.9 minutes in Lake Havasu City to 36.6 minutes in the City of Maricopa.
How to shop "affordable" by payment instead
A median isn't a listing price, and two homes at the same price can carry very different taxes and HOA dues. A payment-first search starts from the monthly amount you're comfortable with and shows which homes in each of these places fit, with each home's own taxes, HOA dues, and insurance built in.
Three steps from browsing to touring
- See the costs here, no signup. Every guide on this site is open, with no forms. Read the taxes, fees, and rules first.
- Search by payment, privately, on MABLS. Pick the monthly payment you're comfortable with. Each home shows its own property taxes, HOA dues, and insurance, so two homes at the same price can show different payments. It's a free account, and we never sell your information.Search Arizona homes by payment
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote.
- Make it exact with Pam. Get pre-qualified with Pam Messina. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your MABLS search, so results match what you actually qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.Get pre-qualified with Pam (opens in a new tab)
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
We never sell your information · Only Rebel Rate Mortgage contacts you about a loan · We connect you with an agent only if you ask · Privacy policy
Related: Most affordable Phoenix suburbs · Phoenix neighborhoods by budget · Tucson-area neighborhoods by budget · Where to buy in Arizona
Data as of October 4, 2026. Figures are cited to the public sources listed below. General information for Arizona home shoppers, not a loan offer, rate quote, or commitment to lend.
What clients say about Rebel Rate Mortgage
Review mentions Pam Messina, NMLS #245626
… Working with Rebel Rate Mortgage proved to be exactly the partnership we needed on our most recent transaction. The situation was complex, constantly evolving, and emotionally charged with unexpected twists and turns. …
Brandee Z. · Google review
Review mentions Pam Messina, NMLS #245626
I was referred to Pam via my realtor to do a simple refinance. Pam was great from day 1, great communication and aligning to what I wanted to accomplish. We waited patiently and then locked in a great rate coupled with a super fast closing. …
Alex Z. · Google review
Rebel Rate definitely made the experience super easy and took the stress out of buying a home and hunting for a mortgage. I highly recommend them to anyone in the Phoenix area!
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Reviews from Rebel Rate Mortgage's Google Business Profile. Individual results vary. Read all 36 reviews on this site.
See homes by the payment you want
Search with each home's own property taxes, HOA dues, and insurance built into the estimate. We never sell your information.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Prefer to talk it through? Pam Messina, NMLS #245626
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More where to buy guides · Private home search · Property tax by city · HOA and CFD lookup · Neighborhood guides
Sources
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: B25077 (median home value), B25103 (median real estate taxes paid), B25088 (median owner costs with a mortgage), B08013/B08303 (mean travel time to work), B25003 (owner-occupied share), B01003 (population) (retrieved October 4, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
- Maricopa County, 2026 Tax Rates (rates per $100 of assessed value by tax area, school, city, fire, and special districts) (tax year 2026; retrieved October 4, 2026)
Frequently asked questions
What is the most affordable place to buy a house in Arizona?
By Census median home value among places with 20,000+ residents, Fortuna Foothills ($199,200) is the most affordable, followed by Apache Junction and Bullhead City ($211,500 each). Smaller towns may be lower.
What is the median home value in Arizona?
The Census Bureau's median value of owner-occupied homes in Arizona is $394,500 (ACS 2020–2024), with median real estate taxes of $1,879 a year.
Where can I buy a house in Arizona under $300,000?
Census medians are under $300,000 in places such as Yuma, Sierra Vista, Kingman, Bullhead City, and Tucson. Medians aren't listing prices, so search current homes by monthly payment to see what's for sale.
Which Arizona county has the highest property tax rate?
Pima County had the highest average total rate in FY2025-26, at 13.63 per $100 of assessed value across all property, per Pinal County's budget presentation citing the 2026 ADOR Final Abstract.
Is it cheaper to live outside Phoenix?
Home values often are. Phoenix's Census median value is $420,700, while Apache Junction's is $211,500. Weigh commute too: Apache Junction's mean commute is 28.1 minutes vs. 25.6 in Phoenix.