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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Fort Defiance, AZ Housing Affordability Index

Fort Defiance, Arizona has an MBR Housing Affordability Index score of 367.6 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $37,400 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $204, or 4% of the city’s $56,045 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Defiance is updated every night from live Arizona mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Fort Defiance MBR-HAI 367.6 Highly Affordable
Rank in Arizona 2 of 168 1 = most affordable
Arizona 93.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Arizona lenders
Median home value $37,400 U.S. Census Bureau

Fort Defiance is 273.9 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Fort Defiance Mortgage Rates

What It Takes to Buy in Fort Defiance

$204/mo
Principal & Interest
Median home, 20% down, 7.24%
$8,700
Income Needed
To keep the payment at 28% of income
$56,045
Median Household Income
Arizona: $79,964
0.7x
Price-to-Income Ratio
Arizona: 4.9x
$259/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,030/yr
Median Property Tax
Arizona figure
27.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Fort Defiance, Arizona. The rate is the Arizona average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Fort Defiance Ranks in Arizona

Cities with similar scores
#1Ganado476.9
#2Fort Defiance367.6
#3Kayenta358.5 #4Clifton343.1 #5Chinle338.1
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Cite the Fort Defiance Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Defiance, Arizona score: 367.6 (Highly Affordable), ranked 2 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/fort-defiance”