In Gold Canyon, a typical home is worth $508,100 and typical rent is $1,542 a month. Compared with all of Pinal County, the typical home value is 46% higher, typical household income is 16% higher, and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $450,592 to $478,186.
Typical rent
$1,985a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Gold Canyon 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Apache Junction, the typical home value is $211,500: 58% less than in Gold Canyon ($508,100).
2
The typical home in Gold Canyon is worth $508,100,46% more than in Pinal County as a whole ($349,000).
3
Nearby, in Apache Junction, the typical rent is $1,146: 26% less than in Gold Canyon ($1,542).
4
94% of households in Gold Canyon own their home, against 82% in Pinal County.
5
The typical household income in Gold Canyon is $93,377,16% more than in Pinal County as a whole ($80,266).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gold Canyon
What homes there are in Gold Canyon, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Gold Canyon
Pinal County
Arizona
United States
Kind of home: Gold Canyon and its comparisons
Measure
Gold Canyon
Pinal County
Arizona
United States
Detached house
83%
77%
64%
61%
Attached house
4%
2%
5%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
16%
19%
Mobile home
10%
16%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Gold Canyon, 8 in 10 homes are single-family detached houses; in Pinal County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Gold Canyon
Pinal County
Arizona
United States
Year built: Gold Canyon and its comparisons
Measure
Gold Canyon
Pinal County
Arizona
United States
Before 1960
Unreliable estimate
4%
8%
26%
1960–1979
Unreliable estimate
10%
22%
24%
1980–1999
36%
21%
34%
25%
2000–2009
44%
40%
22%
14%
2010 or later
18%
25%
14%
11%
In Gold Canyon, half of the homes were built before 2003; in Pinal County, before 2004.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K4%
$200K–$300K7%
$300K–$500K34%
$500K–$750K32%
FHA limit: $557,750
$750K–$1M10%
$1M or more9%
Value of owner-occupied homes: Gold Canyon and its comparisons
Measure
Gold Canyon
Under $100K
4%
$100K–$200K
4%
$200K–$300K
7%
$300K–$500K
34%
$500K–$750K
32%
$750K–$1M
10%
$1M or more
9%
With an FHA loan, the cap for Pinal County is $557,750. About 56% of owner-occupied homes in Gold Canyon are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gold Canyon and its comparisons
Measure
Gold Canyon
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$2,095 a month
Pinal County: $1,714 a month
Without a mortgage
$621 a month
Pinal County: $508 a month
Owners with a mortgage
47%
Pinal County: 61%
The typical cost for an owner with a mortgage in Gold Canyon is $2,095 a month, more than in Pinal County ($1,714); without one, $621.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Gold CanyonBoundaries changed
Pinal County+91%
Arizona+75%
United States+53%
Typical rent
Gold CanyonBoundaries changed
Pinal County+45%
Arizona+47%
United States+33%
Typical household income
Gold CanyonBoundaries changed
Pinal County+38%
Arizona+36%
United States+29%
Change since 2015–2019: Gold Canyon and its comparisons
Measure
Gold Canyon
Pinal County
Arizona
United States
Typical home value
Boundaries changed
+91%
+75%
+53%
Typical rent
Boundaries changed
+45%
+47%
+33%
Typical household income
Boundaries changed
+38%
+36%
+29%
The boundaries of Gold Canyon changed since 2015–2019, so the Census does not compare its figures from then and now. In Pinal County, the typical home value rose 91%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gold Canyon and its comparisons
Measure
Gold Canyon
Pinal County
Arizona
United States
Rental vacancy
Unreliable estimate
6.9%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.7%
4.3%
3.4%
People per household
2.04
2.80
2.53
2.53
Drive alone
66%
68%
67%
69%
Carpool
Unreliable estimate
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
27%
17%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Gold Canyon has 2.04 people, fewer than in Pinal County (2.80).
In Gold Canyon, 27% of workers work from home, more than in Pinal County (17%).
Do the math
What would you pay each month for a home in Gold Canyon?
A typical home costs more than the typical income allows
We start with a typical home in Gold Canyon, worth $508,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Gold Canyon, which is $93,377 a year. For that payment to be 28% of income, a household would need to earn about $173,892 a year.
The calculator's FHA and conventional loan limits are those of all of Pinal County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Gold Canyon. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $17,784 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,058
at 7.18% · 30 years
Loan amount
$498,897
Total interest
$717,795
Paid off in
November 2056
Includes $8,581 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,179 a month
Tight
$2,179 to $2,801 a month
Hard
more than $2,801 a month
Your payment · 52%
Compared with the typical household income in Gold Canyon ($93,377 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,380
Property tax
$241
Home insurance
$212
FHA mortgage insurance (MIP)
$225
You need at least $17,784 for the down payment, plus closing costs.
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.
Total monthly payment $4,058; principal and interest $3,380.
The city and its county
Gold Canyon and Pinal County
Gold Canyon 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).
Gold Canyon
Map of Pinal County, Arizona, with Gold Canyon marked. Around it, the neighboring counties.
Gold Canyon
Pinal County
Other cities with a page
Gold Canyon's own numbers
Typical home value
$508,100
Typical monthly rent
$1,542
Typical yearly household income
$93,377
Households that own their home
94%
Effective property tax rate
0.57%
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.
A typical home in Gold Canyon is worth $508,100: 46% above the county and 29% above Arizona. With the typical household income in Gold Canyon ($93,377 a year), a typical home costs 5.4 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.
Gold Canyon5.4 years
Pinal4.3 years
Arizona4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Pinal County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.5% +8.5% 2017
2018: +10.0% +10.0% 2018
2019: +9.4% +9.4% 2019
2020: +6.3% +6.3% 2020
2021: +22.0% +22.0% 2021
2022: +24.5% +24.5% 2022
2023: +0.9% +0.9% 2023
2024: +2.8% +2.8% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Pinal County, Arizona and the United States
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
Gold Canyon 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
Gold Canyon$508,100
Pinal$349,000
Arizona$394,500
United States$332,700
Typical monthly rent
Gold Canyon$1,542
Pinal$1,537
Arizona$1,543
United States$1,413
Typical yearly household income
Gold Canyon$93,377
Pinal$80,266
Arizona$79,964
United States$80,734
See the full table
Gold Canyon next to Pinal County and Arizona
Measure
Gold Canyon
Pinal County
Arizona
U.S.
Typical home value
$508,100 ▲46% above the county
$349,000
$394,500
$332,700
Typical monthly rent
$1,542
$1,537
$1,543
$1,413
Typical yearly household income
$93,377 ▲16% above the county
$80,266
$79,964
$80,734
Households that own their home
94% ▲13 points above the county
82%
67%
65%
Typical yearly property tax
$2,918 ▲78% above the county
$1,636
$1,879
$3,119
Effective property tax rate
0.57% ▲0.1 points above the county
0.47%
0.48%
0.94%
Renters with high rent for their income
44% ▼3 points below the county
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 Gold Canyon
For a typical $508,100 home in Gold Canyon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gold Canyon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,057a month
Least cash to close
Down payment
$17,784
Cash to close
$33,027
Rate
7.18%
Mortgage insurance
FHA MIP · $225
Conventional, 5% down$3,964a month
Down payment
$25,405
Cash to close
$40,648
Rate
7.18%
Mortgage insurance
PMI · $241
Conventional, 20% down, no PMI$3,207a month
Down payment
$101,620
Cash to close
$116,863
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,676a month
Down payment
$76,215
Cash to close
$91,458
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gold Canyon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,057
$17,784
$498,897
7.18%
FHA MIP · $225
$33,027
580
Conventional, 5% down
$3,964
$25,405
$482,695
7.18%
PMI · $241
$40,648
620*
Conventional, 20% down, no PMI
$3,207
$101,620
$406,480
7.18%
None
$116,863
620*
ITIN, 15% down (example)
$3,676
$76,215
$431,885
8.18%
None
$91,458
Set by the lender
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.
Typical rent in Gold Canyon is $1,542 a month: about the same as the county. In Gold Canyon, 44% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinal County (Fiscal year 2027)
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 Gold Canyon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gold Canyon is in ZIP code 85118.
For 2 bedrooms it is $1,430: $304 less than the fair market rent for Pinal County ($1,734).
Fair market rent by ZIP code and size in Gold Canyon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85118
$1,150
$1,230
$1,430
$1,910
$2,140
ZIP code2 bd3 bd
85118 $1,430$1,910
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gold Canyon 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Gold Canyon or Pinal County. The ones below are statewide in Arizona: they work in Gold Canyon the same as in the rest of the state.
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).
No legal help resource on our list is for Gold Canyon or Pinal County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Gold Canyon 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 Gold Canyon?
The typical home value in Gold Canyon is $508,100, 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 Gold Canyon?
Typical rent in Gold Canyon is $1,542 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 Gold Canyon?
Gold Canyon 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 Gold Canyon?
The typical homeowner in Gold Canyon pays $2,918 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Pinal County, the rate is 0.47%.
Where can I find free help to buy or rent in Gold Canyon?
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.
