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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

Pinetop-Lakeside, AZ Housing Affordability Index

Pinetop-Lakeside, Arizona has an MBR Housing Affordability Index score of 90.2 (Near National Average) as of October 30, 2026, ranking 146th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $370,800 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $2,021, or 40% of the city’s $60,694 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Pinetop-Lakeside 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.

Pinetop-Lakeside MBR-HAI 90.2 Near National Average
Rank in Arizona 146 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 $370,800 U.S. Census Bureau

Pinetop-Lakeside is 3.4 points below the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Pinetop-Lakeside Mortgage Rates

What It Takes to Buy in Pinetop-Lakeside

$2,021/mo
Principal & Interest
Median home, 20% down, 7.24%
$86,600
Income Needed
To keep the payment at 28% of income
$60,694
Median Household Income
Arizona: $79,964
6.1x
Price-to-Income Ratio
Arizona: 4.9x
$887/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,841/yr
Median Property Tax
0.50% of median value
24.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Pinetop-Lakeside Ranks in Arizona

Cities with similar scores
#143Phoenix90.6 #144Payson90.5 #145Tucson90.4
#146Pinetop-Lakeside90.2
#147Anthem89.6 #148Aguila88.7 #149Williams87.6
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Cite the Pinetop-Lakeside Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Pinetop-Lakeside, Arizona score: 90.2 (Near National Average), ranked 146 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/pinetop-lakeside”