Flagstaff, AZ home prices
Typical home $618,862 · +0.2% in a year · income needed $166,100
The Flagstaff, AZ metro area ranks 39 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.2% in a year and +22.5% over five years. With 20% down at 7.11%, the typical home costs about $3,876 a month including 0.46% property tax (Coconino County rate).
Mortgage on the typical Flagstaff home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $123,772 | $495,090 | $3,330 | $0 | $546 | $3,876 | $166,100 |
| 10% down | $61,886 | $556,976 | $3,747 | $232 | $546 | $4,524 | $193,900 |
| 5% down | $30,943 | $587,919 | $3,955 | $245 | $546 | $4,745 | $203,400 |
| 3.5% down (FHA) | $21,660 | $607,653 | $4,088 | $274 | $546 | $4,907 | $210,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% 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.
Counties in the Flagstaff area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Coconino County, AZ | $618,865 | +0.2% | 0.46% |
What can you afford in Arizona on your salary? · Arizona home prices · Salaries in Arizona
Frequently asked questions
How much is a house in Flagstaff?
The typical home in the Flagstaff, AZ metro area is worth $618,862 (Zillow, September 2026).
What salary do you need to buy a house in Flagstaff?
About $166,100 a year for the typical home with 20% down at 7.11%.