Income needed to buy a home
Gila County, AZ
$125,000
a year in household income to buy the typical Gila County home with 10% down.
The monthly math
Typical home value$385,560
Down payment (10%)$38,556
Loan$347,004
Principal and interest (7.40%)$2,403/mo
Property tax (0.55% a year)$177/mo
Homeowners insurance (estimate)$193/mo
Mortgage insurance$145/mo
Total monthly cost$2,917/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $61,986 a year, 50% of what it takes.
In Arizona
Gila County ranks #11 of 15 for the income a home takes, from least to most.
Easiest to afford in Arizona
| County | Typical home | Income needed |
|---|---|---|
| Greenlee County | $169,181 | $53,224 |
| La Paz County | $266,156 | $85,538 |
| Cochise County | $263,540 | $85,987 |
| Yuma County | $279,021 | $91,018 |
| Santa Cruz County | $278,877 | $91,110 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.