Golden Valley, AZ Housing Affordability Index
Golden Valley, Arizona has an MBR Housing Affordability Index score of 127.1 (Highly Affordable) as of October 30, 2026, ranking 68th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $176,000 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $959, or 27% of the city’s $42,585 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Golden Valley 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.
Golden Valley is 33.5 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index
View Golden Valley Mortgage RatesSee What You Can Afford in Golden Valley, Arizona
Use this Golden Valley, Arizona home affordability calculator to see how much house you can afford at today’s Arizona average 30-year mortgage rate of 7.24%. A household earning the Golden Valley median income of $42,585, with no other debts and $35,000 down, can afford a home of about $163,093, compared with a median home value of $176,000. Buying the median priced home with 20% down takes a household income of about $46,700 once property tax and insurance are counted.
| Loan amount | $128,093 |
| Principal & interest | $873/mo |
| Property tax | $53/mo |
| Home insurance | $68/mo |
| PMI | $0/mo |
| Total monthly payment | $994/mo |
How much house can you afford in Golden Valley?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In Golden Valley, property taxes run about 0.39% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,824 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in Golden Valley
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Golden Valley, Arizona. The rate is the Arizona average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Golden Valley Ranks in Arizona
Cite the Golden Valley Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
