The typical owner-occupied home in Chinle is worth about $39,200, 90% below the Arizona median of $394,500 and 88% below the national median of $332,700. The median household earns $53,239 a year, so the median home costs 0.7 times the median income (4.9 times for Arizona). 47% of occupied homes here are lived in by their owners, and 5% of those owners still have a mortgage.
Chinle at a glance
| Chinle | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $39,200 | $394,500 | $332,700 |
| Median property tax paid per year | – | $1,879 | $3,119 |
| Median household income | $53,239 | $79,964 | $80,734 |
| Homes lived in by their owners | 47% | 67% | 65% |
| Owner homes with a mortgage | 5% | 62% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,803 | $1,963 |
| Median rent | $565 | $1,543 | $1,413 |
| Rent as a share of renters' income | 11.0% | 30.8% | 30.6% |
| Median year homes were built | 1990 | 1992 | 1980 |
| Vacant homes | 15.8% | 10.5% | 10.1% |
| Population | 4,147 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Chinle
At this week's average 30-year rate of 7.11%, buying the median Chinle home of $39,200 with 20% down costs about $263 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $329, 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 $11,281 for the 20%-down payment. That payment is 6% of the median Chinle household income of $53,239; at that income and 20% down, the 28% guideline points to a home of about $185,000.
The median rent here is $565 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $7,840 |
|---|---|
| Loan amount | $31,360 |
| Principal and interest | $211 |
| Property taxes (1.10% a year) | $36 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| PMI | $0 |
| Total per month | $263 |
Change the numbers in the calculator
| Down payment | $1,372 |
|---|---|
| Loan amount | $38,490 |
| Principal and interest | $259 |
| Property taxes (1.10% a year) | $36 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| FHA mortgage insurance | $17 |
| Total per month | $329 |
Change the numbers in the calculator
Questions about home buying in Chinle
What is the median home value in Chinle?
About $39,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Chinle?
For the median home with 20% down at 7.11%, the payment is about $263 a month. Keeping that under 28% of gross income takes about $11,281 a year.
More about Chinle
- Mortgage Refinance in Chinle
- Debt Relief in Chinle
- Home Equity Loans in Chinle
- 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