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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

Safford, AZ Housing Affordability Index

Safford, Arizona has an MBR Housing Affordability Index score of 127.3 (Highly Affordable) as of October 30, 2026, ranking 67th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $199,800 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,089, or 20% of the city’s $65,647 median household income.

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

Safford MBR-HAI 127.3 Highly Affordable
Rank in Arizona 67 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 $199,800 U.S. Census Bureau

Safford is 33.6 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Safford Mortgage Rates

What It Takes to Buy in Safford

$1,089/mo
Principal & Interest
Median home, 20% down, 7.24%
$46,700
Income Needed
To keep the payment at 28% of income
$65,647
Median Household Income
Arizona: $79,964
3.0x
Price-to-Income Ratio
Arizona: 4.9x
$1,120/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,099/yr
Median Property Tax
0.55% of median value
36.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Safford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Safford, Arizona score: 127.3 (Highly Affordable), ranked 67 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/safford”