Español

Este sitio también está en español. Leer en español

City · 41,058 residents · Pinal County, Arizona

Apache Junction , Arizona

In Apache Junction, a typical home is worth $211,500 and typical rent is $1,146 a month. Compared with all of Pinal County, the typical home value is 39% lower and typical rent is 25% lower.

WhatsApp

  • Typical home value

    $211,500

    39% below the county

    46% below Arizona

    • Apache Junction
    • Pinal
    • Arizona

  • Typical rent

    $1,146a month

    25% below the county

    26% below Arizona

    • Apache Junction
    • Pinal
    • Arizona

  • Typical household income

    $60,975a year

    24% below the county

    24% below Arizona

    • Apache Junction
    • Pinal
    • Arizona

  • Households that own their home

    79%

    3 points below the county

    12 points above Arizona

    • Apache Junction
    • Pinal
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$369,580
1.9% less than 12 months ago
Typical rent
$1,767 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Apache Junction is in Pinal County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Pinal County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Apache Junction apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Apache Junction is worth $211,500, 39% less than in Pinal County as a whole ($349,000).

  2. The typical rent in Apache Junction is $1,146 a month, 25% less than in Pinal County as a whole ($1,537).

  3. The typical household income in Apache Junction is $60,975, 24% less than in Pinal County as a whole ($80,266).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Apache Junction

What homes there are in Apache Junction, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Apache Junction there is a bit of everything: no kind of home reaches half. The most common are mobile homes (46%), more than in Pinal County (16%).

Year built

Homes in Apache Junction are older: the typical year built is 1994; in Pinal County, 2004.

In Apache Junction, 31% of homes have 1 bedroom or none (studios); 40% have 3 bedrooms or more, against 70% in Pinal County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Apache Junction sit under the FHA limit for Pinal County ($557,750): about 95%.

Monthly rent with utilities

With a mortgage

$1,541 a month

Pinal County: $1,714 a month

Without a mortgage

$506 a month

Pinal County: $508 a month

Owners with a mortgage

44%

Pinal County: 61%

In Apache Junction, 44% of owners have a mortgage, and their typical cost is $1,541 a month, against $1,714 in Pinal County. Without one it drops to $506.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Apache Junction gained value faster than in Pinal County: 100% against 91%.

Since 2015–2019, the typical rent in Apache Junction rose 41%, less than in Pinal County (45%).

Here income did not keep up with housing: it rose 34%, while home values changed +100% and rent +41%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureApache JunctionPinal CountyArizonaUnited States
Rental vacancy Unreliable estimate6.9%5.8%5.5%
Homeowner vacancy Unreliable estimate1.2%1.0%0.9%
More than one person per room 4.2%3.7%4.3%3.4%
People per household 2.262.802.532.53
Drive alone 74%68%67%69%
Carpool 8%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%2%2%3%
Work from home 14%17%18%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

In Apache Junction, 4.2% of households live with more than one person per room, about the same as in Pinal County.

On average, a household in Apache Junction has 2.26 people, fewer than in Pinal County (2.80).

In Apache Junction, 74% of workers drive alone to work; in Pinal County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Apache Junction?

A typical home is tight for the typical income

We start with a typical home in Apache Junction, worth $211,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Apache Junction, which is $60,975 a year. For that payment to be 28% of income, a household would need to earn about $71,326 a year.

The calculator's FHA and conventional loan limits are those of all of Pinal County.

Your numbers

Local data
$

Starts at the typical home value in Apache Junction. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,403 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,664

at 7.18% · 30 years

Loan amount
$207,669
Total interest
$298,787
Paid off in
November 2056

Includes $3,572 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,423 a month

  • Tight

    $1,423 to $1,829 a month

    Your payment · 33%

  • Hard

    more than $1,829 a month

Compared with the typical household income in Apache Junction ($60,975 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,664
Principal & interest$1,407
Property tax$76
Home insurance$88
FHA mortgage insurance (MIP)$94

You need at least $7,403 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Apache Junction and Pinal County

Apache Junction is in Pinal County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Apache Junction's own numbers

Typical home value
$211,500
Typical monthly rent
$1,146
Typical yearly household income
$60,975
Households that own their home
79%
Effective property tax rate
0.43%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pinal County

FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinal County.

Everything about Pinal County

Buying

Buying a home in Apache Junction

A typical home in Apache Junction is worth $211,500: 39% below the county and 46% below Arizona. With the typical household income in Apache Junction ($60,975 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Apache Junction 3.5 years
  • Pinal 4.3 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pinal County

According to FHFA’s house price index, home prices in Pinal County rose 138% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pinal County.

Period County Arizona U.S.
Last year (2025) +1.1% +0.9% +2.9%
5 years (2020–2025) +59% +55% +47%
10 years (2015–2025) +138% +119% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Apache Junction next to Pinal County, Arizona and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Apache Junction $211,500
  • Pinal $349,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Apache Junction $1,146
  • Pinal $1,537
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Apache Junction $60,975
  • Pinal $80,266
  • Arizona $79,964
  • United States $80,734
See the full table
Apache Junction next to Pinal County and Arizona
Measure Apache Junction Pinal County Arizona U.S.
Typical home value $211,500 $349,000 $394,500 $332,700
Typical monthly rent $1,146 $1,537 $1,543 $1,413
Typical yearly household income $60,975 $80,266 $79,964 $80,734
Households that own their home 79% 82% 67% 65%
Typical yearly property tax $908 $1,636 $1,879 $3,119
Effective property tax rate 0.43% 0.47% 0.48% 0.94%
Renters with high rent for their income 56% 47% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinal County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Apache Junction

For a typical $211,500 home in Apache Junction, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Apache Junction's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,664a month

    Least cash to close
    Down payment
    $7,403
    Cash to close
    $13,748
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,626a month

    Down payment
    $10,575
    Cash to close
    $16,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,310a month

    Down payment
    $42,300
    Cash to close
    $48,645
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,506a month

    Down payment
    $31,725
    Cash to close
    $38,070
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Apache Junction and for Pinal County.

Property tax

Effective rate in Apache Junction

0.43%of the home’s value each year

$908 a year for the typical owner in Apache Junction.

  • Apache Junction 0.43%
  • Pinal 0.47%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Pinal County

FEMA does not publish these numbers by city: they are for all of Pinal County.

Homes in the high-risk zone
1.7%
2,932
Of those, with NFIP insurance
21%
County Arizona U.S.
Homes in the high-risk zone 1.7% 2.2% 3.5%
Of those, with NFIP insurance 21% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Apache Junction

Typical rent in Apache Junction is $1,146 a month: 25% below the county. In Apache Junction, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pinal County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.

HUD fair market rent for all of Pinal County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,390 $26.73 $55,600
1 bedroom $1,493 $28.71 $59,720
2 bedrooms $1,734 $33.35 $69,360
3 bedrooms $2,287 $43.98 $91,480
4 bedrooms $2,537 $48.79 $101,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Apache Junction

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Apache Junction has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,380 in 85120 to $1,390 in 85119.

None is above the fair market rent for Pinal County ($1,734).

  • 85119 $1,390$1,870
  • 85120 $1,380$1,870

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Apache Junction when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Apache Junction

HUD lists 4 buildings with rents for lower incomes in Apache Junction. These are the largest.

  • Pinal 733 S Tomahawk Rd, Apache Junction 85119 139 low-income homes · Run by Pinal County Housing Authority · Average payment: $431 a month · Average wait: 58 months · Homes at several sites (520) 866-7203
  • Crossing at Apache Junction 380 S Phelps Dr, Apache Junction 85120 116 homes, 111 low-income · 1 bd: 17 · 2 bd: 44 · 3 bd: 56 · In service since 2000
  • Apache Junction Townhomes 1170 N Idaho Rd, Apache Junction 85119 88 low-income homes · 3 bd: 80 · 4 bd: 8 · In service since 2013 · For families
  • Apache Junction Villas 235 W Tepee St, Apache Junction 85120 52 low-income homes · 2 bd: 52 · In service since 2019 · For older adults

See all 29 buildings in Pinal County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Apache Junction

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Pinal County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Apache Junction

No down payment, repair or rent-help program on our list is for Apache Junction or Pinal County. The ones below are statewide in Arizona: they work in Apache Junction the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years. Offered by Arizona Industrial Development Authority (Arizona IDA).

    ForgivableDeferred

    See the program Official page

Housing counselors near Apache Junction

The HUD-approved agencies closest to the center of Apache Junction, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Newtown Community Development Corporation

    2106 E Apache Blvd, Tempe · 21 miles away · Spanish

    • Budget and financial counseling
    • Pre-purchase counseling
    (480) 517-1589

  • Credit Advisors Foundation

    7525 E Camelback Rd, Scottsdale · 23 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (402) 514-3340

  • Nid-Hca Phoenix Randolph

    4600 E Washington St, Phoenix · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (602) 456-2558

All counseling agencies in Arizona

Help in Spanish near Apache Junction

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Apache Junction

HUD’s record names them for Apache Junction or Pinal County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pinal County Housing Authority Public housing and Section 8 vouchers (520) 866-7203

One other authority has an office in Pinal County: see the list Source: HUD

Cities

Other cities in Pinal County

These cities are also in Pinal County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinal County Housing in Arizona

Nearby cities

The cities closest to Apache Junction, with the typical home value.

Neighboring counties

If Pinal County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Apache Junction.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Apache Junction

Short answers with the numbers for Apache Junction and all of Pinal County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Apache Junction?

The typical home value in Apache Junction is $211,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinal County it is $349,000.

How much does it cost to rent in Apache Junction?

Typical rent in Apache Junction is $1,146 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinal County is $1,734.

What is the FHA loan limit in Apache Junction?

Apache Junction uses the FHA limit for all of Pinal County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.

How much property tax do owners pay in Apache Junction?

The typical homeowner in Apache Junction pays $908 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Pinal County, the rate is 0.47%.

Where can I find free help to buy or rent in Apache Junction?

We found no HUD-approved counseling agencies with an office in Pinal County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).