How much house can I afford on $50,000 in Arizona?
About $187,000 with 20% down ($147,000 with an FHA loan), using Arizona's 0.44% property tax rate.
That is $230,090 less than the typical Arizona home ($416,733), so on $50,000 you'd look at cheaper areas or a smaller home. The payment of $1,167 covers $1,004 principal and interest, $69 property tax and $93 insurance.
Counties in Arizona you can afford on $50,000
1 of 15 counties have a typical home value at or below $187,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Greenlee County | $158,270 | -10.3% | 0.33% |
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 $50,000 in Arizona?
About $187,000 with 20% down at 7.11%, keeping the payment (with Arizona's 0.44% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in Arizona?
Not the typical home: the typical Arizona home is worth $416,733 (Zillow, September 2026) and $50,000 supports about $187,000. 1 of 15 counties are within budget.