The typical owner-occupied home in Joseph City is worth about $176,600, 55% below the Arizona median of $394,500 and 47% below the national median of $332,700. Owners pay a median $985 a year in property taxes, about 0.56% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $75,227 a year, so the median home costs 2.3 times the median income (4.9 times for Arizona). 73% of occupied homes here are lived in by their owners, and 41% of those owners still have a mortgage.
Joseph City at a glance
| Joseph City | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $176,600 | $394,500 | $332,700 |
| Median property tax paid per year | $985 | $1,879 | $3,119 |
| Property tax as a share of value | 0.56% | 0.48% | 0.94% |
| Median household income | $75,227 | $79,964 | $80,734 |
| Homes lived in by their owners | 73% | 67% | 65% |
| Owner homes with a mortgage | 41% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,242 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 20.5% | 21.0% |
| Median rent | $1,089 | $1,543 | $1,413 |
| Rent as a share of renters' income | 34.1% | 30.8% | 30.6% |
| Median year homes were built | 1978 | 1992 | 1980 |
| Vacant homes | 6.2% | 10.5% | 10.1% |
| Population | 2,153 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Joseph City
At this week's average 30-year rate of 7.11%, buying the median Joseph City home of $176,600 with 20% down costs about $1,106 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,401, 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 $47,417 for the 20%-down payment. That payment is 18% of the median Joseph City household income of $75,227; at that income and 20% down, the 28% guideline points to a home of about $280,000.
The median rent here is $1,089 a month, so owning the median home costs about $17 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $35,320 |
|---|---|
| Loan amount | $141,280 |
| Principal and interest | $950 |
| Property taxes (0.56% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $74 |
| PMI | $0 |
| Total per month | $1,106 |
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| Down payment | $6,181 |
|---|---|
| Loan amount | $173,401 |
| Principal and interest | $1,166 |
| Property taxes (0.56% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $74 |
| FHA mortgage insurance | $78 |
| Total per month | $1,401 |
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Questions about home buying in Joseph City
What is the median home value in Joseph City?
About $176,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Joseph City?
Homeowners pay a median $985 a year, which is about 0.56% 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 Joseph City?
For the median home with 20% down at 7.11%, the payment is about $1,106 a month. Keeping that under 28% of gross income takes about $47,417 a year.
More about Joseph City
- Mortgage Refinance in Joseph City
- Debt Relief in Joseph City
- Home Equity Loans in Joseph City
- 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