In Thatcher, a typical home is worth $286,300 and typical rent is $939 a month. Compared with all of Graham County, the typical home value is 35% higher and typical household income is 23% higher.
Typical home value from Zillow, September 2021 to September 2026: from $288,459 to $350,735.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Thatcher is in Graham County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Graham County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Safford, the typical home value is $199,800: 30% less than in Thatcher ($286,300).
2
The typical home in Thatcher is worth $286,300,35% more than in Graham County as a whole ($212,000).
3
Thatcher has the 5th smallest share of rent-burdened renters of the 76 cities in Arizona with more than 5,000 people (35%).
4
The typical household income in Thatcher is $82,917,23% more than in Graham County as a whole ($67,325).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Thatcher rose 2.4%; in Arizona, it fell 1%.
6
Thatcher has the 9th lowest typical rent of the 89 cities in Arizona with more than 5,000 people ($939).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Thatcher
What homes there are in Thatcher, 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
Thatcher
Graham County
Arizona
United States
Kind of home: Thatcher and its comparisons
Measure
Thatcher
Graham County
Arizona
United States
Detached house
77%
72%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
4%
16%
19%
Mobile home
8%
19%
9%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Thatcher: 77% of homes, more than in Graham County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Thatcher
Graham County
Arizona
United States
Year built: Thatcher and its comparisons
Measure
Thatcher
Graham County
Arizona
United States
Before 1960
Unreliable estimate
15%
8%
26%
1960–1979
21%
24%
22%
24%
1980–1999
31%
31%
34%
25%
2000–2009
16%
19%
22%
14%
2010 or later
24%
12%
14%
11%
There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 72% in Graham County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K15%
$200K–$300K22%
$300K–$500K38%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Thatcher and its comparisons
Measure
Thatcher
Under $100K
Unreliable estimate
$100K–$200K
15%
$200K–$300K
22%
$300K–$500K
38%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Thatcher and its comparisons
Measure
Thatcher
Under $500
Unreliable estimate
$500–$999
49%
$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
$1,524 a month
Graham County: $1,448 a month
Without a mortgage
$383 a month
Graham County: $397 a month
Owners with a mortgage
66%
Graham County: 54%
Owning costs more in Thatcher: with a mortgage, the typical cost is $1,524 a month; in Graham County, $1,448. Without one, $383.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Thatcher+65%
Graham County+53%
Arizona+75%
United States+53%
Typical rent
ThatcherNo clear change
Graham County+22%
Arizona+47%
United States+33%
Typical household income
ThatcherNo clear change
Graham County+31%
Arizona+36%
United States+29%
Change since 2015–2019: Thatcher and its comparisons
Measure
Thatcher
Graham County
Arizona
United States
Typical home value
+65%
+53%
+75%
+53%
Typical rent
No clear change
+22%
+47%
+33%
Typical household income
No clear change
+31%
+36%
+29%
Since 2015–2019, homes in Thatcher gained value faster than in Graham County: 65% against 53%.
The typical rent in Thatcher stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Thatcher and its comparisons
Measure
Thatcher
Graham County
Arizona
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
5.5%
4.3%
3.4%
People per household
2.83
2.86
2.53
2.53
Drive alone
73%
78%
67%
69%
Carpool
19%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
4%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
A household in Thatcher has 2.83 people on average, about the same as in Graham County (2.86).
Carpooling is common in Thatcher: 19% of workers get to work that way, against 14% in Graham County.
Do the math
What would you pay each month for a home in Thatcher?
A typical home is tight for the typical income
We start with a typical home in Thatcher, worth $286,300, 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 Thatcher, which is $82,917 a year. For that payment to be 28% of income, a household would need to earn about $96,654 a year.
The calculator's FHA and conventional loan limits are those of all of Graham 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 Thatcher. 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 $10,021 (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
$2,255
at 7.18% · 30 years
Loan amount
$281,114
Total interest
$404,457
Paid off in
November 2056
Includes $4,835 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,935 a month
Tight
$1,935 to $2,488 a month
Your payment · 33%
Hard
more than $2,488 a month
Compared with the typical household income in Thatcher ($82,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,904
Property tax
$105
Home insurance
$119
FHA mortgage insurance (MIP)
$127
You need at least $10,021 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 $2,255; principal and interest $1,904.
The city and its county
Thatcher and Graham County
Thatcher is in Graham 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).
Thatcher
Map of Graham County, Arizona, with Thatcher marked. Around it, the neighboring counties.
Thatcher
Graham County
Other cities with a page
Thatcher's own numbers
Typical home value
$286,300
Typical monthly rent
$939
Typical yearly household income
$82,917
Households that own their home
72%
Effective property tax rate
0.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Graham County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,159
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
8.8%
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 Graham County.
A typical home in Thatcher is worth $286,300: 35% above the county and 27% below Arizona. With the typical household income in Thatcher ($82,917 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.
Thatcher3.5 years
Graham3.1 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Graham County
According to FHFA’s house price index, home prices in Graham County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Graham County.
Yearly change in FHFA’s price index in Graham County, 2016 to 2025
2016: −0.5% −0.5% 2016
2017: +2.3% +2.3% 2017
2018: +5.6% +5.6% 2018
2019: +5.5% +5.5% 2019
2020: +5.9% +5.9% 2020
2021: +14.5% +14.5% 2021
2022: +14.8% +14.8% 2022
2023: +8.7% +8.7% 2023
2024: +4.3% +4.3% 2024
2025: +8.4% +8.4% 2025
Change in FHFA’s price index in Graham County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+8.4%
+0.9%
+2.9%
5 years (2020–2025)
+62%
+55%
+47%
10 years (2015–2025)
+94%
+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
Thatcher next to Graham 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
Thatcher$286,300
Graham$212,000
Arizona$394,500
United States$332,700
Typical monthly rent
Thatcher$939
Graham$935
Arizona$1,543
United States$1,413
Typical yearly household income
Thatcher$82,917
Graham$67,325
Arizona$79,964
United States$80,734
See the full table
Thatcher next to Graham County and Arizona
Measure
Thatcher
Graham County
Arizona
U.S.
Typical home value
$286,300 ▲35% above the county
$212,000
$394,500
$332,700
Typical monthly rent
$939
$935
$1,543
$1,413
Typical yearly household income
$82,917 ▲23% above the county
$67,325
$79,964
$80,734
Households that own their home
72% ▼1 points below the county
73%
67%
65%
Typical yearly property tax
$1,267 ▲25% above the county
$1,013
$1,879
$3,119
Effective property tax rate
0.44% ▼0.04 points below the county
0.48%
0.48%
0.94%
Renters with high rent for their income
35% ▲5 points above the county
30%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Graham 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 Thatcher
For a typical $286,300 home in Thatcher, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Thatcher's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,255a month
Least cash to close
Down payment
$10,021
Cash to close
$18,610
Rate
7.18%
Mortgage insurance
FHA MIP · $127
Conventional, 5% down$2,203a month
Down payment
$14,315
Cash to close
$22,904
Rate
7.18%
Mortgage insurance
PMI · $136
Conventional, 20% down, no PMI$1,776a month
Down payment
$57,260
Cash to close
$65,849
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,041a month
Down payment
$42,945
Cash to close
$51,534
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Thatcher
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,255
$10,021
$281,114
7.18%
FHA MIP · $127
$18,610
580
Conventional, 5% down
$2,203
$14,315
$271,985
7.18%
PMI · $136
$22,904
620*
Conventional, 20% down, no PMI
$1,776
$57,260
$229,040
7.18%
None
$65,849
620*
ITIN, 15% down (example)
$2,041
$42,945
$243,355
8.18%
None
$51,534
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 Thatcher is $939 a month: about the same as the county. In Thatcher, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Graham County, by unit size. To pay the 2-bedroom one ($1,159 a month) without spending more than 30% of your income, you would need to earn $22.29 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 Graham County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$807
$15.52
$32,280
1 bedroom
$894
$17.19
$35,760
2 bedrooms
$1,159
$22.29
$46,360
3 bedrooms
$1,503
$28.90
$60,120
4 bedrooms
$1,937
$37.25
$77,480
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 Thatcher
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Thatcher is in ZIP code 85552.
For 2 bedrooms it is $1,120: $39 less than the fair market rent for Graham County ($1,159).
Fair market rent by ZIP code and size in Thatcher, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85552
$830
$900
$1,120
$1,510
$1,880
ZIP code2 bd3 bd
85552 $1,120$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Thatcher 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 Graham 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 Thatcher or Graham County. The ones below are statewide in Arizona: they work in Thatcher 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 Thatcher or Graham 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 Thatcher and all of Graham 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 Thatcher?
The typical home value in Thatcher is $286,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Graham County it is $212,000.
How much does it cost to rent in Thatcher?
Typical rent in Thatcher is $939 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Graham County is $1,159.
What is the FHA loan limit in Thatcher?
Thatcher uses the FHA limit for all of Graham County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Thatcher?
The typical homeowner in Thatcher pays $1,267 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Graham County, the rate is 0.48%.
Where can I find free help to buy or rent in Thatcher?
We found no HUD-approved counseling agencies with an office in Graham County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
