Gila County, Arizona home prices
Typical home $385,173 · -0.2% in a year · property tax 0.51%
The typical home in Gila County is worth $385,173, 8% less than the Arizona typical home ($416,733). Values changed -0.2% in the past year and +14.2% over five years. Homeowners here pay a median 0.51% of their home's value in property tax each year ($1,982 on the typical home), versus 0.44% statewide.
Mortgage on the typical Gila County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,035 | $308,138 | $2,073 | $0 | $358 | $2,431 | $104,200 |
| 10% down | $38,517 | $346,656 | $2,332 | $144 | $358 | $2,834 | $121,500 |
| 5% down | $19,259 | $365,914 | $2,462 | $152 | $358 | $2,972 | $127,400 |
| 3.5% down (FHA) | $13,481 | $378,196 | $2,544 | $170 | $358 | $3,072 | $131,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% 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 · part of the Payson metro area.
Arizona counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Navajo County | $393,934 | +0.4% | 0.59% |
| 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% |
| Maricopa County | $455,168 | -0.9% | 0.44% |
| 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% |
| Yavapai County | $496,923 | -0.0% | 0.41% |
Frequently asked questions
What is the average home price in Gila County, AZ?
The typical home value in Gila County is $385,173 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gila County?
About $104,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gila County?
The median effective rate is 0.51% of home value a year (Census ACS 2024 5-year estimates).