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Arizona Housing Affordability Index | MBR-HAI

Arizona Housing Affordability Index

Daily affordability score for Arizona compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
Arizona
104.7
Near National Average
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #31 of 51 states
vs. National Average +4.1 points
30-yr Rate Used 6.430%
Median Home Value $394,500
Median Household Income $79,964

Arizona Affordability Ranking

#31 of 51 states — April 10, 2026 Near the middle
Most Affordable Least Affordable
More affordable than: 20 of 51 states (39%)
Less affordable than: 30 of 51 states (59%)
MBR-HAI Score: 104.7 vs. national 100.6 (+4.1 points)
Nearby States
↑ 28 more affordable states above
#29 UT 106.2
#30 TX 105.6
#31 Arizona ◀ 104.7
#32 MN 104.3
#33 MT 103.0
↓ 18 less affordable states below
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA 87.2
#51 CA 81.5

View full 51-state rankings →

Arizona MBR-HAI — 90-Day Trend

Arizona
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Arizona

$394,500
Median Home Value
U.S. median: varies by state
$79,964
Median Household Income
U.S. median: $80,734
4.9x
Price-to-Income Ratio
Home value ÷ income
$1,278/mo
Median Owner Costs
19.2% of income annually
$2,030/yr
Median Property Tax
0.51% effective rate
67.7%
Homeownership Rate
U.S. average: 65.7%
27.3%
Owner Cost Burden
% spending 30%+ of income on housing
6.430%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Arizona Ranks Among All States

#31
of 51 states
Least Affordable Most Affordable
Arizona is more affordable than 40% of U.S. states — Near National Average
104.7
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 27 states →
28 Illinois 106.9 Near National Average
29 Utah 106.2 Near National Average
30 Texas 105.6 Near National Average
31 Arizona You are here 104.7 Near National Average
32 Minnesota 104.3 Near National Average
33 Montana 103.0 Near National Average
34 Virginia 102.8 Near National Average
▼ See all 51 state rankings →

Showing states ranked near Arizona — April 10, 2026 • View complete national rankings →

Download Arizona HAI Data

Arizona History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-10,AZ,104.7,100.6,6.430
Download AZ History (CSV)
All 51 States (CSV)
Compare Arizona to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how Arizona ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Arizona Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Arizona.