The typical owner-occupied home in Fort Defiance is worth about $37,400, 91% below the Arizona median of $394,500 and 89% below the national median of $332,700. The median household earns $56,045 a year, so the median home costs 0.7 times the median income (4.9 times for Arizona). 52% of occupied homes here are lived in by their owners, and 2% of those owners still have a mortgage.
Fort Defiance at a glance
| Fort Defiance | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $37,400 | $394,500 | $332,700 |
| Median property tax paid per year | – | $1,879 | $3,119 |
| Median household income | $56,045 | $79,964 | $80,734 |
| Homes lived in by their owners | 52% | 67% | 65% |
| Owner homes with a mortgage | 2% | 62% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,803 | $1,963 |
| Median rent | $856 | $1,543 | $1,413 |
| Rent as a share of renters' income | 13.0% | 30.8% | 30.6% |
| Median year homes were built | 1980 | 1992 | 1980 |
| Vacant homes | 17.2% | 10.5% | 10.1% |
| Population | 3,351 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Fort Defiance
At this week's average 30-year rate of 7.11%, buying the median Fort Defiance home of $37,400 with 20% down costs about $251 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $313, 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 $10,763 for the 20%-down payment. That payment is 5% of the median Fort Defiance household income of $56,045; at that income and 20% down, the 28% guideline points to a home of about $195,000.
The median rent here is $856 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $7,480 |
|---|---|
| Loan amount | $29,920 |
| Principal and interest | $201 |
| Property taxes (1.10% a year) | $34 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| PMI | $0 |
| Total per month | $251 |
Change the numbers in the calculator
| Down payment | $1,309 |
|---|---|
| Loan amount | $36,723 |
| Principal and interest | $247 |
| Property taxes (1.10% a year) | $34 |
| Homeowners insurance (our estimate, 0.5% a year) | $16 |
| FHA mortgage insurance | $17 |
| Total per month | $313 |
Change the numbers in the calculator
Questions about home buying in Fort Defiance
What is the median home value in Fort Defiance?
About $37,400 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 Fort Defiance?
For the median home with 20% down at 7.11%, the payment is about $251 a month. Keeping that under 28% of gross income takes about $10,763 a year.
More about Fort Defiance
- Mortgage Refinance in Fort Defiance
- Debt Relief in Fort Defiance
- Home Equity Loans in Fort Defiance
- 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