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 September 2026

Arizona ranking

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

#	City	Price-to-income ratio	Score
1	Phoenix	7.1x income	15	View →
2	Ganado	7.1x income	15	View →
3	Tucson	6.8x income	20	View →
4	Mesa	6.5x income	26	View →
5	Glendale	6.5x income	26	View →
6	Tempe	6.5x income	26	View →
7	Peoria	6.5x income	26	View →
8	Yuma	6.5x income	26	View →
9	Surprise	6.5x income	26	View →
10	Chandler	6.4x income	27	View →
11	Chinle	6.4x income	27	View →
12	Eloy	6.3x income	29	View →
13	Golden Valley	6.3x income	29	View →
14	Somerton	6.2x income	30	View →
15	Douglas	6.2x income	30	View →
16	Gilbert	6.1x income	32	View →
17	Flagstaff	6.0x income	33	View →
18	Avondale	6.0x income	33	View →
19	San Tan Valley	6.0x income	33	View →
20	Goodyear	6.0x income	33	View →
21	Buckeye	6.0x income	33	View →
22	Casa Grande	6.0x income	33	View →
23	Prescott	6.0x income	33	View →
24	Lake Havasu City	6.0x income	33	View →
25	Kingman	6.0x income	33	View →
26	Maricopa	6.0x income	33	View →
27	Queen Creek	6.0x income	33	View →
28	Sierra Vista	6.0x income	33	View →
29	Apache Junction	6.0x income	33	View →
30	Sun City	6.0x income	33	View →
31	Prescott Valley	6.0x income	33	View →
32	Bullhead City	6.0x income	33	View →
33	Laveen	6.0x income	33	View →
34	Florence	6.0x income	33	View →
35	Tolleson	6.0x income	33	View →
36	El Mirage	6.0x income	33	View →
37	Green Valley	6.0x income	33	View →
38	Sun City West	6.0x income	33	View →
39	Nogales	6.0x income	34	View →
40	Litchfield Park	5.8x income	36	View →
41	Scottsdale	5.6x income	40	View →
42	Marana	5.5x income	41	View →
43	Show Low	5.5x income	41	View →
44	Coolidge	5.5x income	41	View →
45	Parker	5.6x income	41	View →
46	Benson	5.5x income	41	View →
47	Lakeside	5.5x income	41	View →
48	Cottonwood	5.5x income	42	View →
49	Sahuarita	5.5x income	42	View →
50	Payson	5.5x income	42	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.