The typical owner-occupied home in White Mountain Lake is worth about $172,700, 56% below the Arizona median of $394,500 and 48% below the national median of $332,700. Owners pay a median $989 a year in property taxes, about 0.57% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $50,263 a year, so the median home costs 3.4 times the median income (4.9 times for Arizona). 84% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
White Mountain Lake at a glance
| White Mountain Lake | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $172,700 | $394,500 | $332,700 |
| Median property tax paid per year | $989 | $1,879 | $3,119 |
| Property tax as a share of value | 0.57% | 0.48% | 0.94% |
| Median household income | $50,263 | $79,964 | $80,734 |
| Homes lived in by their owners | 84% | 67% | 65% |
| Owner homes with a mortgage | 49% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,305 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 26.5% | 20.5% | 21.0% |
| Median rent | $628 | $1,543 | $1,413 |
| Rent as a share of renters' income | 32.2% | 30.8% | 30.6% |
| Median year homes were built | 1995 | 1992 | 1980 |
| Vacant homes | 33.4% | 10.5% | 10.1% |
| Population | 2,910 | 7,378,838 | 334,922,499 |
What a typical home costs per month in White Mountain Lake
At this week's average 30-year rate of 7.11%, buying the median White Mountain Lake home of $172,700 with 20% down costs about $1,083 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,371, 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 $46,431 for the 20%-down payment. That payment is 26% of the median White Mountain Lake household income of $50,263; at that income and 20% down, the 28% guideline points to a home of about $187,000.
The median rent here is $628 a month, so owning the median home costs about $455 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $34,540 |
|---|---|
| Loan amount | $138,160 |
| Principal and interest | $929 |
| Property taxes (0.57% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $72 |
| PMI | $0 |
| Total per month | $1,083 |
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| Down payment | $6,044 |
|---|---|
| Loan amount | $169,572 |
| Principal and interest | $1,141 |
| Property taxes (0.57% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $72 |
| FHA mortgage insurance | $76 |
| Total per month | $1,371 |
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Questions about home buying in White Mountain Lake
What is the median home value in White Mountain Lake?
About $172,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White Mountain Lake?
Homeowners pay a median $989 a year, which is about 0.57% 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 White Mountain Lake?
For the median home with 20% down at 7.11%, the payment is about $1,083 a month. Keeping that under 28% of gross income takes about $46,431 a year.
More about White Mountain Lake
- Mortgage Refinance in White Mountain Lake
- Debt Relief in White Mountain Lake
- Home Equity Loans in White Mountain Lake
- 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