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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

Winkelman, AZ Housing Affordability Index

Winkelman, Arizona has an MBR Housing Affordability Index score of 171.4 (Highly Affordable) as of October 30, 2026, ranking 38th most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $65,000 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $354, or 11% of the city’s $40,333 median household income.

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

Winkelman MBR-HAI 171.4 Highly Affordable
Rank in Arizona 38 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 $65,000 U.S. Census Bureau

Winkelman is 77.8 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Winkelman Mortgage Rates

What It Takes to Buy in Winkelman

$354/mo
Principal & Interest
Median home, 20% down, 7.24%
$15,200
Income Needed
To keep the payment at 28% of income
$40,333
Median Household Income
Arizona: $79,964
1.6x
Price-to-Income Ratio
Arizona: 4.9x
$390/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,030/yr
Median Property Tax
Arizona figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
70.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Winkelman Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Winkelman, Arizona score: 171.4 (Highly Affordable), ranked 38 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/winkelman”