What your paycheck buys · Updated every Friday

What a paycheck buys in Arizona this week

Out of reach · #35 of 50 on affordability · rate for the week of October 22, 2026

A median Arizona household earning $86,570 a year can afford a home of about $273,000 at this week’s 7.32% average 30-year rate. The median Arizona listing is $459,900, which would take 47.1% of that household’s gross income, against the usual 28% ceiling.

$273,000

Affordable home price

+$1,802 vs. last week · −$19,800 vs. a year ago

$460,000

Median list price (September 2026)

−$15,100 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Arizona 62 a year ago

47.1%

Share of income the median listing takes

$3,399/mo incl. taxes & insurance · U.S. 42.5%

$87,000

Median household income (2025)

U.S. $87,000

#35

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $475,000 and median income of $84,350 (2024 figure), the same household could afford about $293,000 and the median listing took 45.4% of income. Affordability in Arizona has worsened since then.

Nearby in the ranking

#33 Florida: can afford $246,000, median listing $410,000
#34 New Hampshire: can afford $354,000, median listing $590,000
#36 Nevada: can afford $281,000, median listing $480,000
#37 Colorado: can afford $324,000, median listing $564,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.