Apache County, Arizona home prices
Typical home $319,753 · +1.1% in a year · property tax 0.9%
The typical home in Apache County is worth $319,753, 23% less than the Arizona typical home ($416,733). Values changed +1.1% in the past year and +17.0% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($2,871 on the typical home), versus 0.44% statewide.
Mortgage on the typical Apache County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,951 | $255,803 | $1,721 | $0 | $399 | $2,120 | $90,900 |
| 10% down | $31,975 | $287,778 | $1,936 | $120 | $399 | $2,455 | $105,200 |
| 5% down | $15,988 | $303,766 | $2,043 | $127 | $399 | $2,569 | $110,100 |
| 3.5% down (FHA) | $11,191 | $313,962 | $2,112 | $141 | $399 | $2,653 | $113,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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.
What it takes: see what you can afford by salary in Arizona.
Arizona counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pima County | $335,772 | -1.8% | 0.71% |
| Graham County | $303,340 | +2.2% | 0.48% |
| Mohave County | $349,812 | +2.0% | 0.44% |
| Pinal County | $359,830 | -2.2% | 0.47% |
| 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% |
| Gila County | $385,173 | -0.2% | 0.51% |
| Navajo County | $393,934 | +0.4% | 0.59% |
Frequently asked questions
What is the average home price in Apache County, AZ?
The typical home value in Apache County is $319,753 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Apache County?
About $90,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Apache County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).