The typical house in Arizona costs over $415,000, according to Zillow. But many towns all across the Grand Canyon State offer homes at a fraction of that.
If you’ve been choosing between renting and buying in Arizona, the decision could be an easy one in these affordable spots.
Affordable Arizona Cities and Typical Home Prices
| Ranking | City | Average Home Cost |
|---|---|---|
| 1 | Nogales | $212,630 |
| 2 | San Luis | $233,364 |
| 3 | Somerton | $264,100 |
| 4 | Kingman | $269,080 |
| 5 | Sierra Vista | $299,354 |
| 6 | Yuma | $299,714 |
| 7 | Bullhead City | $305,948 |
| 8 | Green Valley | $309,029 |
| 9 | Casa Grande | $319,000 |
| 10 | Sun City | $321,517 |
1. Nogales - $212,630
The most affordable city on our list is the border town of Nogales. It’s the perfect mix of Mexican and American cultures, offering unique dining and shopping experiences and “warm and hospitable people,” according to Visit Arizona. The cost of buying the typical home in Nogales? An estimated $1,577 per month.
2. San Luis - $233,364
This southern Arizona town is part of the greater Yuma area and a port of entry. The local economy is supported by industry, agriculture, and trade between the U.S. and Mexico, offering residents plenty of employment opportunities to support affordable homeownership in the area. The average monthly cost to buy in San Luis is an estimated $1,730.
3. Somerton - $264,100
Between San Luis and Yuma is Somerton, one of three cities on our list in the Yuma metro area. With the typical house payment costing just $1,958, according to our estimates, local residents enjoy housing that is about $1,100 cheaper per month than in the Phoenix metro area.
4. Kingman - $269,080
Two hours from Las Vegas and five from Los Angeles, Kingman, Arizona, is an affordable town within a day trip of major metro destinations. This “rugged, adventurous, and unafraid” town lies on the historic Route 66, a great place to start any adventure – which you will be able to afford thanks to low home prices that, on average, run an estimated $1,995 per month.
5. Sierra Vista - $299,354
Translated as “Mountain View” in English, Sierra Vista offers easy access to hikes up to 9,000 feet in elevation, with nearby natural spaces including Kartchner Caverns, Ramsey Canyon Preserve, and the 4,750-acre Coronado National Memorial. Home prices in Sierra Vista are just as attractive as the scenery, with the typical property having an estimated monthly payment of just $2,220.
6. Yuma - $299,714
This southwest Arizona town of about 100,000 offers affordable housing, especially considering the employment opportunities in the area. The U.S. Marine Corps Air Station employs over 4,700, including both civilians and active-duty military personnel. Yuma Regional Medical Center, local government, and U.S. Border Patrol employ thousands more. Buying the average home in Yuma comes at an estimated cost of $2,222 per month.
7. Bullhead City - $305,948
This town lies on the other side of the Colorado River from Nevada. While not a small town, the entire area is eligible for the zero-down USDA home loan program, which offers affordable financing in many areas outside of major metros for those who meet income limits. Conventional borrowers can expect to pay an estimated $2,269 per month for the typical Bullhead City home.
8. Green Valley - $309,029
Green Valley, with a population of around 21,500, sits approximately 20 miles south of Tucson, offering both relaxed, quiet living and convenient access to all of the amenities and employment opportunities in the state's second-largest city. Despite the myriad benefits of living here, Green Valley homes remain affordable, with the average property having an estimated monthly price tag of $2,291.
9. Casa Grande - $319,000
Visit Arizona boasts of Casa Grande’s golf courses, a historic downtown, an aquatic park, and more. And at home prices below $320,000, even those on a tight budget have an opportunity to afford homeownership. Thinking about living in Casa Grande? Housing costs on the typical home run an estimated $2,365 per month.
10. Sun City - $321,517
This suburb of Phoenix offers average home prices more than $90,000 lower than the city proper. Yet, it’s conveniently located just 40 minutes from downtown. Those who don’t mind a little commute can save a lot of money – average monthly mortgage payments are an estimated $2,384 – by choosing Sun City.
Get Pre-Approved for your Arizona Home
Many towns and cities across Arizona are affordable for just about any budget. From more rural communities like Nogales and Bullhead City to suburban areas like Sun City, there’s a place for everyone in the Grand Canyon State. See what home price you qualify for by requesting your pre-approval today.
Methodology
To find the 10 most affordable housing markets in Arizona, we started with average home prices as reported on the Zillow Home Value Index (ZHVI) Single-Family Home Time Series for November 2025. We assumed a 5% down payment, the typical requirement for first-time buyers. We then calculated the monthly payment on a 30-year fixed mortgage at 6.395%, the recent 30-day average from rate marketplace I Can Buy based on a buyer with a 700 credit score putting 5% down. We added PMI costs per mortgage insurance provider MGIC and tax rates by state from TaxFoundation.org. Homeowner’s insurance estimates were calculated using Nerdwallet’s cost in each state for $300,000 in dwelling coverage. We multiplied this rate by 67.8%, the U.S. average of total market value represented by the structure according to ResiClub (since homeowners insurance is based on the structure, not total value). We then multiplied this rate by the average home’s total market value. We assumed no HOA dues. To increase relevancy, we limited eligible cities to the top 3,000 largest by population nationwide per Zillow data.
Estimated payments are for example purposes only. Not a commitment to lend.
