SmartAsset released a study analyzing the most affordable places to live in Arizona. The eighth annual study weighed several factors, including taxes, homeowners’ insurance, and home costs relative to the local median income. Places where home ownership costs were lowest relative to the median income in each location were considered the most affordable.

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Check out the list below for additional details on how the top places in Arizona ranked:


To find the most affordable places to buy a home, SmartAsset analyzed closing costs, real estate taxes, homeowners insurance, and mortgage rates across the United States. 

We started the analysis by including all cities with a population of 5,000 or greater. We then measured the total cost of owning a home (using the average home cost) in each city throughout a five-year period. That five-year cost was then measured as a proportion of median household income in each place to determine affordability.

The most affordable places were those in which total housing costs were smallest compared to the median income in each area. Each city was then indexed on a scale from 0 to 100, with the most affordable location receiving a score of 100.