Indian Wells, AZ Housing Affordability Index
Indian Wells, Arizona has an MBR Housing Affordability Index score of 191.8 (Highly Affordable) as of October 30, 2026, ranking 31st most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $82,200 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $448, or 11% of the city’s $49,250 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Indian Wells 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.
Indian Wells is 98.2 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index
View Indian Wells Mortgage RatesSee What You Can Afford in Indian Wells, Arizona
Use this Indian Wells, 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 Indian Wells median income of $49,250, with no other debts and $16,000 down, can afford a home of about $130,334, compared with a median home value of $82,200. Buying the median priced home with 20% down takes a household income of about $27,900 once property tax and insurance are counted.
| Loan amount | $114,334 |
| Principal & interest | $779/mo |
| Property tax | $268/mo |
| Home insurance | $54/mo |
| PMI | $48/mo |
| Total monthly payment | $1,149/mo |
How much house can you afford in Indian Wells?
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 Indian Wells, property taxes run about 2.47% 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 $1,972 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 Indian Wells
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Indian Wells, Arizona. The rate is the Arizona average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Indian Wells Ranks in Arizona
Cite the Indian Wells 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.
