The typical owner-occupied home in Lukachukai is worth about $51,400, 87% below the Arizona median of $394,500 and 85% below the national median of $332,700. The median household earns $37,011 a year, so the median home costs 1.4 times the median income (4.9 times for Arizona). 88% of occupied homes here are lived in by their owners, and 5% of those owners still have a mortgage.
Lukachukai at a glance
| Lukachukai | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $51,400 | $394,500 | $332,700 |
| Median property tax paid per year | – | $1,879 | $3,119 |
| Median household income | $37,011 | $79,964 | $80,734 |
| Homes lived in by their owners | 88% | 67% | 65% |
| Owner homes with a mortgage | 5% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,196 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 23.9% | 20.5% | 21.0% |
| Median rent | $921 | $1,543 | $1,413 |
| Rent as a share of renters' income | 13.6% | 30.8% | 30.6% |
| Median year homes were built | 1984 | 1992 | 1980 |
| Vacant homes | 26.0% | 10.5% | 10.1% |
| Population | 1,969 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Lukachukai
At this week's average 30-year rate of 7.11%, buying the median Lukachukai home of $51,400 with 20% down costs about $345 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $431, 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 $14,792 for the 20%-down payment. That payment is 11% of the median Lukachukai household income of $37,011; at that income and 20% down, the 28% guideline points to a home of about $129,000.
The median rent here is $921 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $10,280 |
|---|---|
| Loan amount | $41,120 |
| Principal and interest | $277 |
| Property taxes (1.10% a year) | $47 |
| Homeowners insurance (our estimate, 0.5% a year) | $21 |
| PMI | $0 |
| Total per month | $345 |
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| Down payment | $1,799 |
|---|---|
| Loan amount | $50,469 |
| Principal and interest | $340 |
| Property taxes (1.10% a year) | $47 |
| Homeowners insurance (our estimate, 0.5% a year) | $21 |
| FHA mortgage insurance | $23 |
| Total per month | $431 |
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Questions about home buying in Lukachukai
What is the median home value in Lukachukai?
About $51,400 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 Lukachukai?
For the median home with 20% down at 7.11%, the payment is about $345 a month. Keeping that under 28% of gross income takes about $14,792 a year.
More about Lukachukai
- Mortgage Refinance in Lukachukai
- Debt Relief in Lukachukai
- Home Equity Loans in Lukachukai
- 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