The typical owner-occupied home in Whiteriver is worth about $59,500, 85% below the Arizona median of $394,500 and 82% below the national median of $332,700. The median household earns $37,440 a year, so the median home costs 1.6 times the median income (4.9 times for Arizona). 51% of occupied homes here are lived in by their owners, and 1% of those owners still have a mortgage.
Whiteriver at a glance
| Whiteriver | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $59,500 | $394,500 | $332,700 |
| Median property tax paid per year | – | $1,879 | $3,119 |
| Median household income | $37,440 | $79,964 | $80,734 |
| Homes lived in by their owners | 51% | 67% | 65% |
| Owner homes with a mortgage | 1% | 62% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,803 | $1,963 |
| Median rent | $568 | $1,543 | $1,413 |
| Rent as a share of renters' income | 17.6% | 30.8% | 30.6% |
| Median year homes were built | 1984 | 1992 | 1980 |
| Vacant homes | 7.7% | 10.5% | 10.1% |
| Population | 4,545 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Whiteriver
At this week's average 30-year rate of 7.11%, buying the median Whiteriver home of $59,500 with 20% down costs about $400 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $499, 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 $17,123 for the 20%-down payment. That payment is 13% of the median Whiteriver household income of $37,440; at that income and 20% down, the 28% guideline points to a home of about $130,000.
The median rent here is $568 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $11,900 |
|---|---|
| Loan amount | $47,600 |
| Principal and interest | $320 |
| Property taxes (1.10% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $25 |
| PMI | $0 |
| Total per month | $400 |
Change the numbers in the calculator
| Down payment | $2,082 |
|---|---|
| Loan amount | $58,422 |
| Principal and interest | $393 |
| Property taxes (1.10% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $25 |
| FHA mortgage insurance | $26 |
| Total per month | $499 |
Change the numbers in the calculator
Questions about home buying in Whiteriver
What is the median home value in Whiteriver?
About $59,500 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 Whiteriver?
For the median home with 20% down at 7.11%, the payment is about $400 a month. Keeping that under 28% of gross income takes about $17,123 a year.
More about Whiteriver
- Mortgage Refinance in Whiteriver
- Debt Relief in Whiteriver
- Home Equity Loans in Whiteriver
- 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