Income needed to buy a home
Navajo County, AZ
$125,693
a year in household income to buy the typical Navajo County home with 10% down.
The monthly math
Typical home value$394,564
Down payment (10%)$39,456
Loan$355,108
Principal and interest (7.40%)$2,459/mo
Property tax (0.39% a year)$129/mo
Homeowners insurance (estimate)$197/mo
Mortgage insurance$148/mo
Total monthly cost$2,933/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 $54,606 a year, 43% of what it takes.
In Arizona
Navajo County ranks #12 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.