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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

Mesa, AZ Housing Affordability Index

Mesa, Arizona has an MBR Housing Affordability Index score of 94.7 (Near National Average) as of October 30, 2026, ranking 130th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $408,000 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $2,224, or 32% of the city’s $82,752 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mesa 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.

Mesa MBR-HAI 94.7 Near National Average
Rank in Arizona 130 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 $408,000 U.S. Census Bureau

Mesa is 1.0 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Mesa Mortgage Rates

What It Takes to Buy in Mesa

$2,224/mo
Principal & Interest
Median home, 20% down, 7.24%
$95,300
Income Needed
To keep the payment at 28% of income
$82,752
Median Household Income
Arizona: $79,964
4.9x
Price-to-Income Ratio
Arizona: 4.9x
$1,356/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,722/yr
Median Property Tax
0.42% of median value
25.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
52.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mesa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mesa, Arizona score: 94.7 (Near National Average), ranked 130 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/mesa”