How much house can I afford on $80,000 in Arizona?
About $299,000 with 20% down ($236,000 with an FHA loan), using Arizona's 0.44% property tax rate.
That is $118,103 less than the typical Arizona home ($416,733), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,607 principal and interest, $110 property tax and $149 insurance.
Counties in Arizona you can afford on $80,000
5 of 15 counties have a typical home value at or below $299,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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 $80,000 in Arizona?
About $299,000 with 20% down at 7.11%, keeping the payment (with Arizona's 0.44% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Arizona?
Not the typical home: the typical Arizona home is worth $416,733 (Zillow, September 2026) and $80,000 supports about $299,000. 5 of 15 counties are within budget.