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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Arizona residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

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, 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 .

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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

#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