Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$303,340+2.2% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$65,758About 1.0× the local median income ($64,504): a stretch for a typical household
Days on market68 daysSlower than a year ago: buyers have time to negotiate
The typical home in Graham County, AZ is worth $303,340, up 2.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $267,252, so the area is 13.5% overvalued. It is a buyer's market: homes take about 68 days to sell, listings are up 25% from a year ago, 21% of listings have had a price cut. A household needs about $65,758 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,504. Typical rent is $1,500 a month. In the latest IRS figures, 161 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$303,340
Change in 1 year
+2.2%
Overvalued %
+13.5%
Show 6 more
Fair home value
$267,252
Change in 5 years
+21.6%
Home value to income
4.7×
Monthly mortgage payment (20% down)
$1,644
Income needed to afford it
$65,758
Property tax rate
0.48%
Rent and investing
Typical rent
$1,500
Price-to-rent ratio
16.9×
HUD Fair Market Rent, 2 bedrooms
$1,159
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Gross rental yield
5.93%
Cap rate (estimate)
3.86%
Market activity
Listings vs a year ago
+24.7%
Days on market
68
Listings with a price cut
20.9%
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Homes for sale
91
Pending sales per 100 listings
33
Asking price per sq ft
$204
People and jobs
Median household income
$64,504
Population change (1 year)
−0.2%
Unemployment rate
7.7%
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Population
40,157
Income adjusted for cost of living
$78,952
Net moves in (IRS)
+161
Cost of living (US = 100)
81.7
Schools, risk and environment
School rating (1 to 10)
6.4
FEMA hazard risk score (0 to 100)
64.6
Flood risk score
67.9
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Wildfire risk score
94.3
Walkability (1 to 20)
5.2
Road, rail and air noise
54 dB
Questions people ask
Is Graham County, AZ overvalued?
Home prices in Graham County, AZ are well above what local incomes have historically supported: fair value is about $267,252, so the area is 13.5% overvalued.
Is Graham County, AZ a buyer's or seller's market?
Graham County, AZ is a buyer's market: homes take about 68 days to sell, listings are up 25% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Graham County, AZ?
Home values in Graham County, AZ are up 2.2% over the last year.
How much do you need to earn to buy a home in Graham County, AZ?
A household needs about $65,758 a year to afford the typical home in Graham County, AZ at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,504.