The typical owner-occupied home in Saint Johns is worth about $203,400, 48% below the Arizona median of $394,500 and 39% below the national median of $332,700. Owners pay a median $509 a year in property taxes, about 0.25% of their home's value, lower than the Arizona rate of 0.48%. The median household earns $131,968 a year, so the median home costs 1.5 times the median income (4.9 times for Arizona). 97% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Saint Johns at a glance
| Saint Johns | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $203,400 | $394,500 | $332,700 |
| Median property tax paid per year | $509 | $1,879 | $3,119 |
| Property tax as a share of value | 0.25% | 0.48% | 0.94% |
| Median household income | $131,968 | $79,964 | $80,734 |
| Homes lived in by their owners | 97% | 67% | 65% |
| Owner homes with a mortgage | 46% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,200 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 20.5% | 21.0% |
| Median rent | – | $1,543 | $1,413 |
| Median year homes were built | 1986 | 1992 | 1980 |
| Vacant homes | 29.5% | 10.5% | 10.1% |
| Population | 3,395 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Saint Johns
At this week's average 30-year rate of 7.11%, buying the median Saint Johns home of $203,400 with 20% down costs about $1,222 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,561, 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 $52,361 for the 20%-down payment. That payment is 11% of the median Saint Johns household income of $131,968; at that income and 20% down, the 28% guideline points to a home of about $513,000.
| Down payment | $40,680 |
|---|---|
| Loan amount | $162,720 |
| Principal and interest | $1,095 |
| Property taxes (0.25% a year) | $42 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| PMI | $0 |
| Total per month | $1,222 |
Change the numbers in the calculator
| Down payment | $7,119 |
|---|---|
| Loan amount | $199,716 |
| Principal and interest | $1,344 |
| Property taxes (0.25% a year) | $42 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| FHA mortgage insurance | $90 |
| Total per month | $1,561 |
Change the numbers in the calculator
Questions about home buying in Saint Johns
What is the median home value in Saint Johns?
About $203,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Johns?
Homeowners pay a median $509 a year, which is about 0.25% 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 Saint Johns?
For the median home with 20% down at 7.11%, the payment is about $1,222 a month. Keeping that under 28% of gross income takes about $52,361 a year.
More about Saint Johns
- Mortgage Refinance in Saint Johns
- Debt Relief in Saint Johns
- Home Equity Loans in Saint Johns
- 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