What's a healthy ratio in Arizona?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority AZ

Most affordable cities for home buyers in Arizona.

Affordability = how many years of household income buys the median home. This ranks Arizona cities by price-to-income ratio (lower = more affordable).

Last updated November 2026

Arizona ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Paradise Valley	3.6x income	74	View →
2	Fountain Hills	5.2x income	47	View →
3	Cave Creek	5.3x income	46	View →
4	Vail	5.3x income	46	View →
5	Cottonwood	5.5x income	42	View →
6	Sahuarita	5.5x income	42	View →
7	Payson	5.5x income	42	View →
8	Safford	5.5x income	42	View →
9	Rio Rico	5.5x income	42	View →
10	Sedona	5.5x income	42	View →
11	Chino Valley	5.5x income	42	View →
12	Winslow	5.5x income	42	View →
13	Fort Mohave	5.5x income	42	View →
14	Globe	5.5x income	42	View →
15	Gold Canyon	5.5x income	42	View →
16	Camp Verde	5.5x income	42	View →
17	Waddell	5.5x income	42	View →
18	Willcox	5.5x income	42	View →
19	Wickenburg	5.5x income	42	View →
20	Hereford	5.5x income	42	View →
21	Dewey	5.5x income	42	View →
22	Arizona City	5.5x income	42	View →
23	Marana	5.5x income	41	View →
24	Show Low	5.5x income	41	View →
25	Coolidge	5.5x income	41	View →
26	Parker	5.6x income	41	View →
27	Benson	5.5x income	41	View →
28	Lakeside	5.5x income	41	View →
29	Scottsdale	5.6x income	40	View →
30	Litchfield Park	5.8x income	36	View →
31	Nogales	6.0x income	34	View →
32	Flagstaff	6.0x income	33	View →
33	Avondale	6.0x income	33	View →
34	San Tan Valley	6.0x income	33	View →
35	Goodyear	6.0x income	33	View →
36	Buckeye	6.0x income	33	View →
37	Casa Grande	6.0x income	33	View →
38	Prescott	6.0x income	33	View →
39	Lake Havasu City	6.0x income	33	View →
40	Kingman	6.0x income	33	View →
41	Maricopa	6.0x income	33	View →
42	Queen Creek	6.0x income	33	View →
43	Sierra Vista	6.0x income	33	View →
44	Apache Junction	6.0x income	33	View →
45	Sun City	6.0x income	33	View →
46	Prescott Valley	6.0x income	33	View →
47	Bullhead City	6.0x income	33	View →
48	Laveen	6.0x income	33	View →
49	Florence	6.0x income	33	View →
50	Tolleson	6.0x income	33	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Arizona?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.