The typical owner-occupied home in Gila County is worth about $269,400, 32% below the Arizona median of $394,500 and 19% below the national median of $332,700. Owners pay a median $1,386 a year in property taxes, about 0.51% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $61,986 a year, so the median home costs 4.3 times the median income (4.9 times for Arizona). 78% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Gila County at a glance
| Gila County | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $269,400 | $394,500 | $332,700 |
| Median property tax paid per year | $1,386 | $1,879 | $3,119 |
| Property tax as a share of value | 0.51% | 0.48% | 0.94% |
| Median household income | $61,986 | $79,964 | $80,734 |
| Homes lived in by their owners | 78% | 67% | 65% |
| Owner homes with a mortgage | 42% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,509 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 24.2% | 20.5% | 21.0% |
| Median rent | $1,030 | $1,543 | $1,413 |
| Rent as a share of renters' income | 25.9% | 30.8% | 30.6% |
| Median year homes were built | 1986 | 1992 | 1980 |
| Vacant homes | 27.8% | 10.5% | 10.1% |
| Population | 53,795 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Gila County
At this week's average 30-year rate of 7.11%, buying the median Gila County home of $269,400 with 20% down costs about $1,677 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,125, 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 $71,853 for the 20%-down payment. That payment is 32% of the median Gila County household income of $61,986; at that income and 20% down, the 28% guideline points to a home of about $232,000.
The median rent here is $1,030 a month, so owning the median home costs about $647 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,880 |
|---|---|
| Loan amount | $215,520 |
| Principal and interest | $1,450 |
| Property taxes (0.51% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| PMI | $0 |
| Total per month | $1,677 |
Change the numbers in the calculator
| Down payment | $9,429 |
|---|---|
| Loan amount | $264,520 |
| Principal and interest | $1,779 |
| Property taxes (0.51% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| FHA mortgage insurance | $119 |
| Total per month | $2,125 |
Change the numbers in the calculator
Questions about home buying in Gila County
What is the median home value in Gila County?
About $269,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gila County?
Homeowners pay a median $1,386 a year, which is about 0.51% 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 Gila County?
For the median home with 20% down at 7.11%, the payment is about $1,677 a month. Keeping that under 28% of gross income takes about $71,853 a year.
More about Gila County
- Mortgage Refinance in Gila County
- Debt Relief in Gila County
- Home Equity Loans in Gila County
- 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