The typical owner-occupied home in Graham County is worth about $212,000, 46% below the Arizona median of $394,500 and 36% below the national median of $332,700. Owners pay a median $1,013 a year in property taxes, about 0.48% of their home's value, close to the Arizona rate of 0.48%. The median household earns $67,325 a year, so the median home costs 3.1 times the median income (4.9 times for Arizona). 73% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Graham County at a glance
| Graham County | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $212,000 | $394,500 | $332,700 |
| Median property tax paid per year | $1,013 | $1,879 | $3,119 |
| Property tax as a share of value | 0.48% | 0.48% | 0.94% |
| Median household income | $67,325 | $79,964 | $80,734 |
| Homes lived in by their owners | 73% | 67% | 65% |
| Owner homes with a mortgage | 54% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,448 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 18.7% | 20.5% | 21.0% |
| Median rent | $935 | $1,543 | $1,413 |
| Rent as a share of renters' income | 23.0% | 30.8% | 30.6% |
| Median year homes were built | 1987 | 1992 | 1980 |
| Vacant homes | 9.7% | 10.5% | 10.1% |
| Population | 39,232 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Graham County
At this week's average 30-year rate of 7.11%, buying the median Graham County home of $212,000 with 20% down costs about $1,314 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,667, 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 $56,316 for the 20%-down payment. That payment is 23% of the median Graham County household income of $67,325; at that income and 20% down, the 28% guideline points to a home of about $253,000.
The median rent here is $935 a month, so owning the median home costs about $379 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $42,400 |
|---|---|
| Loan amount | $169,600 |
| Principal and interest | $1,141 |
| Property taxes (0.48% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $88 |
| PMI | $0 |
| Total per month | $1,314 |
Change the numbers in the calculator
| Down payment | $7,420 |
|---|---|
| Loan amount | $208,160 |
| Principal and interest | $1,400 |
| Property taxes (0.48% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $88 |
| FHA mortgage insurance | $94 |
| Total per month | $1,667 |
Change the numbers in the calculator
Questions about home buying in Graham County
What is the median home value in Graham County?
About $212,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Graham County?
Homeowners pay a median $1,013 a year, which is about 0.48% 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 Graham County?
For the median home with 20% down at 7.11%, the payment is about $1,314 a month. Keeping that under 28% of gross income takes about $56,316 a year.
More about Graham County
- Mortgage Refinance in Graham County
- Debt Relief in Graham County
- Home Equity Loans in Graham 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