How much house can I afford on $130,000 in Arizona?
About $485,000 with 20% down ($383,000 with an FHA loan), using Arizona's 0.44% property tax rate.
That is $68,541 more than the typical Arizona home ($416,733), so a $130,000 salary can buy a typical home here. The payment of $3,033 covers $2,612 principal and interest, $179 property tax and $243 insurance.
Counties in Arizona you can afford on $130,000
13 of 15 counties have a typical home value at or below $485,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Maricopa County | $455,168 | -0.9% | 0.44% |
| Navajo County | $393,934 | +0.4% | 0.59% |
| Gila County | $385,173 | -0.2% | 0.51% |
| Pinal County | $359,830 | -2.2% | 0.47% |
| Mohave County | $349,812 | +2.0% | 0.44% |
| Pima County | $335,772 | -1.8% | 0.71% |
| Apache County | $319,753 | +1.1% | 0.9% |
| Graham County | $303,340 | +2.2% | 0.48% |
| Yuma County | $276,759 | +0.4% | 0.61% |
| Santa Cruz County | $273,922 | -0.4% | 0.61% |
| La Paz County | $261,246 | -1.1% | 0.64% |
| Cochise County | $260,551 | -0.4% | 0.6% |
| Greenlee County | $158,270 | -10.3% | 0.33% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Arizona
Frequently asked questions
How much house can I afford on $130,000 in Arizona?
About $485,000 with 20% down at 7.11%, keeping the payment (with Arizona's 0.44% property tax and insurance) under $3,033 a month.
Is $130,000 enough to buy a house in Arizona?
Yes: the typical Arizona home is worth $416,733 (Zillow, September 2026) and $130,000 supports about $485,000. 13 of 15 counties are within budget.