The typical owner-occupied home in San Tan Valley is worth about $410,100, 4% above the Arizona median of $394,500 and 23% above the national median of $332,700. Owners pay a median $1,601 a year in property taxes, about 0.39% of their home's value, lower than the Arizona rate of 0.48%. The median household earns $96,713 a year, so the median home costs 4.2 times the median income (4.9 times for Arizona). 82% of occupied homes here are lived in by their owners, and 78% of those owners still have a mortgage.
San Tan Valley at a glance
| San Tan Valley | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $410,100 | $394,500 | $332,700 |
| Median property tax paid per year | $1,601 | $1,879 | $3,119 |
| Property tax as a share of value | 0.39% | 0.48% | 0.94% |
| Median household income | $96,713 | $79,964 | $80,734 |
| Homes lived in by their owners | 82% | 67% | 65% |
| Owner homes with a mortgage | 78% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,794 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 21.9% | 20.5% | 21.0% |
| Median rent | $2,085 | $1,543 | $1,413 |
| Rent as a share of renters' income | 28.2% | 30.8% | 30.6% |
| Median year homes were built | 2007 | 1992 | 1980 |
| Vacant homes | 7.9% | 10.5% | 10.1% |
| Population | 109,189 | 7,378,838 | 334,922,499 |
What a typical home costs per month in San Tan Valley
At this week's average 30-year rate of 7.11%, buying the median San Tan Valley home of $410,100 with 20% down costs about $2,511 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,194, 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 $107,622 for the 20%-down payment. That payment is 31% of the median San Tan Valley household income of $96,713; at that income and 20% down, the 28% guideline points to a home of about $369,000.
The median rent here is $2,085 a month, so owning the median home costs about $426 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $82,020 |
|---|---|
| Loan amount | $328,080 |
| Principal and interest | $2,207 |
| Property taxes (0.39% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $171 |
| PMI | $0 |
| Total per month | $2,511 |
Change the numbers in the calculator
| Down payment | $14,354 |
|---|---|
| Loan amount | $402,672 |
| Principal and interest | $2,709 |
| Property taxes (0.39% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $171 |
| FHA mortgage insurance | $181 |
| Total per month | $3,194 |
Change the numbers in the calculator
Questions about home buying in San Tan Valley
What is the median home value in San Tan Valley?
About $410,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Tan Valley?
Homeowners pay a median $1,601 a year, which is about 0.39% 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 San Tan Valley?
For the median home with 20% down at 7.11%, the payment is about $2,511 a month. Keeping that under 28% of gross income takes about $107,622 a year.
More about San Tan Valley
- Mortgage Refinance in San Tan Valley
- Debt Relief in San Tan Valley
- Home Equity Loans in San Tan 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