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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

Willcox, AZ Housing Affordability Index

Willcox, Arizona has an MBR Housing Affordability Index score of 116.4 (More Affordable Than Average) as of October 30, 2026, ranking 84th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $158,500 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $864, or 24% of the city’s $43,929 median household income.

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

Willcox MBR-HAI 116.4 More Affordable Than Average
Rank in Arizona 84 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 $158,500 U.S. Census Bureau

Willcox is 22.8 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Willcox Mortgage Rates

What It Takes to Buy in Willcox

$864/mo
Principal & Interest
Median home, 20% down, 7.24%
$37,000
Income Needed
To keep the payment at 28% of income
$43,929
Median Household Income
Arizona: $79,964
3.6x
Price-to-Income Ratio
Arizona: 4.9x
$634/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,257/yr
Median Property Tax
0.79% of median value
23.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Willcox Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Willcox, Arizona score: 116.4 (More Affordable Than Average), ranked 84 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/willcox”