The typical owner-occupied home in Willcox is worth about $158,500, 60% below the Arizona median of $394,500 and 52% below the national median of $332,700. Owners pay a median $1,086 a year in property taxes, about 0.69% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $43,929 a year, so the median home costs 3.6 times the median income (4.9 times for Arizona). 56% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Willcox at a glance
| Willcox | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $158,500 | $394,500 | $332,700 |
| Median property tax paid per year | $1,086 | $1,879 | $3,119 |
| Property tax as a share of value | 0.69% | 0.48% | 0.94% |
| Median household income | $43,929 | $79,964 | $80,734 |
| Homes lived in by their owners | 56% | 67% | 65% |
| Owner homes with a mortgage | 50% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,042 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 20.5% | 21.0% |
| Median rent | $1,024 | $1,543 | $1,413 |
| Rent as a share of renters' income | 46.7% | 30.8% | 30.6% |
| Median year homes were built | 1977 | 1992 | 1980 |
| Vacant homes | 23.3% | 10.5% | 10.1% |
| Population | 3,222 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Willcox
At this week's average 30-year rate of 7.11%, buying the median Willcox home of $158,500 with 20% down costs about $1,010 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,274, 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 $43,293 for the 20%-down payment. That payment is 28% of the median Willcox household income of $43,929; at that income and 20% down, the 28% guideline points to a home of about $161,000.
The median rent here is $1,024 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $31,700 |
|---|---|
| Loan amount | $126,800 |
| Principal and interest | $853 |
| Property taxes (0.69% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| PMI | $0 |
| Total per month | $1,010 |
Change the numbers in the calculator
| Down payment | $5,548 |
|---|---|
| Loan amount | $155,629 |
| Principal and interest | $1,047 |
| Property taxes (0.69% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| FHA mortgage insurance | $70 |
| Total per month | $1,274 |
Change the numbers in the calculator
Questions about home buying in Willcox
What is the median home value in Willcox?
About $158,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Willcox?
Homeowners pay a median $1,086 a year, which is about 0.69% 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 Willcox?
For the median home with 20% down at 7.11%, the payment is about $1,010 a month. Keeping that under 28% of gross income takes about $43,293 a year.
More about Willcox
- Mortgage Refinance in Willcox
- Debt Relief in Willcox
- Home Equity Loans in Willcox
- 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