Editor's Note: This story was produced by Redfin Real Estate and reviewed and distributed by Stacker Media.
Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Arizona residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.
But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.
To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Arizona, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.
No. 1. Sahuarita, Arizona
- Payment to income ratio: 26.6%
- Median sale price: $350,094
- Median household income: $100,719
- Income needed to buy: $89,401
- Median monthly mortgage payment: $2,235
- See homes for sale in Sahuarita on Redfin.com
No. 2. Maricopa, Arizona
- Payment to income ratio: 28.7%
- Median sale price: $353,328
- Median household income: $94,208
- Income needed to buy: $90,227
- Median monthly mortgage payment: $2,256
- See homes for sale in Maricopa on Redfin.com
No. 3. Marana, Arizona
- Payment to income ratio: 29.9%
- Median sale price: $422,987
- Median household income: $108,256
- Income needed to buy: $108,015
- Median monthly mortgage payment: $2,700
- See homes for sale in Marana on Redfin.com
No. 4. Buckeye, Arizona
- Payment to income ratio: 31.5%
- Median sale price: $405,868
- Median household income: $98,778
- Income needed to buy: $103,644
- Median monthly mortgage payment: $2,591
- See homes for sale in Buckeye on Redfin.com
No. 5. Drexel Heights, Arizona
- Payment to income ratio: 31.8%
- Median sale price: $311,651
- Median household income: $75,152
- Income needed to buy: $79,584
- Median monthly mortgage payment: $1,990
- See homes for sale in Drexel Heights on Redfin.com
No. 6. San Tan Valley, Arizona
- Payment to income ratio: 34.3%
- Median sale price: $419,472
- Median household income: $93,642
- Income needed to buy: $107,118
- Median monthly mortgage payment: $2,678
- See homes for sale in San Tan Valley on Redfin.com
No. 7. Surprise, Arizona
- Payment to income ratio: 35.1%
- Median sale price: $427,756
- Median household income: $93,371
- Income needed to buy: $109,233
- Median monthly mortgage payment: $2,731
- See homes for sale in Surprise on Redfin.com
No. 8. Goodyear, Arizona
- Payment to income ratio: 35.8%
- Median sale price: $475,615
- Median household income: $101,814
- Income needed to buy: $121,454
- Median monthly mortgage payment: $3,036
- See homes for sale in Goodyear on Redfin.com
No. 9. Florence, Arizona
- Payment to income ratio: 36.0%
- Median sale price: $358,086
- Median household income: $76,259
- Income needed to buy: $91,442
- Median monthly mortgage payment: $2,286
- See homes for sale in Florence on Redfin.com
No. 10. Casas Adobes, Arizona
- Payment to income ratio: 36.0%
- Median sale price: $380,933
- Median household income: $81,041
- Income needed to buy: $97,276
- Median monthly mortgage payment: $2,432
- See homes for sale in Casas Adobes on Redfin.com
No. 11. Kingman, Arizona
- Payment to income ratio: 36.1%
- Median sale price: $284,549
- Median household income: $60,418
- Income needed to buy: $72,663
- Median monthly mortgage payment: $1,817
- See homes for sale in Kingman on Redfin.com
No. 12. Queen Creek, Arizona
- Payment to income ratio: 36.1%
- Median sale price: $634,839
- Median household income: $134,719
- Income needed to buy: $162,114
- Median monthly mortgage payment: $4,053
- See homes for sale in Queen Creek on Redfin.com
No. 13. El Mirage, Arizona
- Payment to income ratio: 36.3%
- Median sale price: $354,448
- Median household income: $74,764
- Income needed to buy: $90,513
- Median monthly mortgage payment: $2,263
- See homes for sale in El Mirage on Redfin.com
No. 14. Gilbert, Arizona
- Payment to income ratio: 37.3%
- Median sale price: $590,537
- Median household income: $121,351
- Income needed to buy: $150,801
- Median monthly mortgage payment: $3,770
- See homes for sale in Gilbert on Redfin.com
No. 15. Casa Grande, Arizona
- Payment to income ratio: 37.8%
- Median sale price: $327,177
- Median household income: $66,354
- Income needed to buy: $83,549
- Median monthly mortgage payment: $2,089
- See homes for sale in Casa Grande on Redfin.com
No. 16. Avondale, Arizona
- Payment to income ratio: 39.6%
- Median sale price: $419,980
- Median household income: $81,260
- Income needed to buy: $107,247
- Median monthly mortgage payment: $2,681
- See homes for sale in Avondale on Redfin.com
No. 17. Oro Valley, Arizona
- Payment to income ratio: 40.2%
- Median sale price: $552,179
- Median household income: $105,342
- Income needed to buy: $141,006
- Median monthly mortgage payment: $3,525
- See homes for sale in Oro Valley on Redfin.com
No. 18. Chandler, Arizona
- Payment to income ratio: 41.9%
- Median sale price: $567,692
- Median household income: $103,691
- Income needed to buy: $144,968
- Median monthly mortgage payment: $3,624
- See homes for sale in Chandler on Redfin.com
No. 19. Peoria, Arizona
- Payment to income ratio: 44.0%
- Median sale price: $536,764
- Median household income: $93,403
- Income needed to buy: $137,070
- Median monthly mortgage payment: $3,427
- See homes for sale in Peoria on Redfin.com
No. 20. Fortuna Foothills, Arizona
- Payment to income ratio: 44.6%
- Median sale price: $335,012
- Median household income: $57,583
- Income needed to buy: $85,550
- Median monthly mortgage payment: $2,139
- See homes for sale in Fortuna Foothills on Redfin.com
