The typical owner-occupied home in Golden Valley is worth about $176,000, 55% below the Arizona median of $394,500 and 47% below the national median of $332,700. Owners pay a median $658 a year in property taxes, about 0.37% of their home's value, lower than the Arizona rate of 0.48%. The median household earns $42,585 a year, so the median home costs 4.1 times the median income (4.9 times for Arizona). 92% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Golden Valley at a glance
| Golden Valley | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $176,000 | $394,500 | $332,700 |
| Median property tax paid per year | $658 | $1,879 | $3,119 |
| Property tax as a share of value | 0.37% | 0.48% | 0.94% |
| Median household income | $42,585 | $79,964 | $80,734 |
| Homes lived in by their owners | 92% | 67% | 65% |
| Owner homes with a mortgage | 45% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,185 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 31.3% | 20.5% | 21.0% |
| Median rent | $1,134 | $1,543 | $1,413 |
| Rent as a share of renters' income | 43.8% | 30.8% | 30.6% |
| Median year homes were built | 1998 | 1992 | 1980 |
| Vacant homes | 12.2% | 10.5% | 10.1% |
| Population | 8,567 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Golden Valley
At this week's average 30-year rate of 7.11%, buying the median Golden Valley home of $176,000 with 20% down costs about $1,075 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,368, 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 $46,062 for the 20%-down payment. That payment is 30% of the median Golden Valley household income of $42,585; at that income and 20% down, the 28% guideline points to a home of about $163,000.
The median rent here is $1,134 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $35,200 |
|---|---|
| Loan amount | $140,800 |
| Principal and interest | $947 |
| Property taxes (0.37% a year) | $54 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| PMI | $0 |
| Total per month | $1,075 |
Change the numbers in the calculator
| Down payment | $6,160 |
|---|---|
| Loan amount | $172,812 |
| Principal and interest | $1,163 |
| Property taxes (0.37% a year) | $54 |
| Homeowners insurance (our estimate, 0.5% a year) | $73 |
| FHA mortgage insurance | $78 |
| Total per month | $1,368 |
Change the numbers in the calculator
Questions about home buying in Golden Valley
What is the median home value in Golden Valley?
About $176,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Golden Valley?
Homeowners pay a median $658 a year, which is about 0.37% 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 Golden Valley?
For the median home with 20% down at 7.11%, the payment is about $1,075 a month. Keeping that under 28% of gross income takes about $46,062 a year.
More about Golden Valley
- Mortgage Refinance in Golden Valley
- Debt Relief in Golden Valley
- Home Equity Loans in Golden Valley
- 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