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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

San Luis, AZ Housing Affordability Index

San Luis, Arizona has an MBR Housing Affordability Index score of 112.2 (More Affordable Than Average) as of October 30, 2026, ranking 92nd most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $224,900 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,226, or 25% of the city’s $59,400 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Luis 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.

San Luis MBR-HAI 112.2 More Affordable Than Average
Rank in Arizona 92 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 $224,900 U.S. Census Bureau

San Luis is 18.5 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View San Luis Mortgage Rates

What It Takes to Buy in San Luis

$1,226/mo
Principal & Interest
Median home, 20% down, 7.24%
$52,500
Income Needed
To keep the payment at 28% of income
$59,400
Median Household Income
Arizona: $79,964
3.8x
Price-to-Income Ratio
Arizona: 4.9x
$983/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,343/yr
Median Property Tax
0.60% of median value
33.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Luis Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Luis, Arizona score: 112.2 (More Affordable Than Average), ranked 92 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/san-luis”