The typical owner-occupied home in Apache County is worth about $63,700, 84% below the Arizona median of $394,500 and 81% below the national median of $332,700. Owners pay a median $572 a year in property taxes, about 0.90% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $41,438 a year, so the median home costs 1.5 times the median income (4.9 times for Arizona). 79% of occupied homes here are lived in by their owners, and 16% of those owners still have a mortgage.
Apache County at a glance
| Apache County | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $63,700 | $394,500 | $332,700 |
| Median property tax paid per year | $572 | $1,879 | $3,119 |
| Property tax as a share of value | 0.90% | 0.48% | 0.94% |
| Median household income | $41,438 | $79,964 | $80,734 |
| Homes lived in by their owners | 79% | 67% | 65% |
| Owner homes with a mortgage | 16% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,238 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 17.1% | 20.5% | 21.0% |
| Median rent | $647 | $1,543 | $1,413 |
| Rent as a share of renters' income | 16.0% | 30.8% | 30.6% |
| Median year homes were built | 1987 | 1992 | 1980 |
| Vacant homes | 27.2% | 10.5% | 10.1% |
| Population | 65,341 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Apache County
At this week's average 30-year rate of 7.11%, buying the median Apache County home of $63,700 with 20% down costs about $417 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $523, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $17,877 for the 20%-down payment. That payment is 12% of the median Apache County household income of $41,438; at that income and 20% down, the 28% guideline points to a home of about $148,000.
The median rent here is $647 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $12,740 |
|---|---|
| Loan amount | $50,960 |
| Principal and interest | $343 |
| Property taxes (0.90% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $27 |
| PMI | $0 |
| Total per month | $417 |
Change the numbers in the calculator
| Down payment | $2,230 |
|---|---|
| Loan amount | $62,546 |
| Principal and interest | $421 |
| Property taxes (0.90% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $27 |
| FHA mortgage insurance | $28 |
| Total per month | $523 |
Change the numbers in the calculator
Questions about home buying in Apache County
What is the median home value in Apache County?
About $63,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Apache County?
Homeowners pay a median $572 a year, which is about 0.90% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Apache County?
For the median home with 20% down at 7.11%, the payment is about $417 a month. Keeping that under 28% of gross income takes about $17,877 a year.
More about Apache County
- Mortgage Refinance in Apache County
- Debt Relief in Apache County
- Home Equity Loans in Apache County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data