The median home in Surprise, Arizona is valued at $418,248, down 3.1% year over year. Typical monthly rent is $1,935, producing a price-to-rent ratio of 18x — near the national average of 18x. Surprise is part of the Phoenix-Mesa-Chandler, AZ metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$418,248

-3.1%

Rent$1,935/mo

Prices falling — better for buyers.

Affordability

Enter your income for Surprise.

Income (annual)

Down Payment

$83,650 on $418,248

Example: $75,000 household income. Change it above to see your own.

Out of reach39.7% of income

Need $106,329/yr to afford.

PITI$2,481

P/I39.7%

Afford$295K

Gap-$123K

P&I $2,115Tax $216Ins $150

Renting $546/mo cheaper ($1,935 rent)6.50% 30yr, 20% down, county tax + AZ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Arizona

Compare Surprise with other housing markets across Arizona.

Paradise Valley$3.38M Carefree$1.27M Cave Creek$1.03M Fort McDowell$1.02M Sedona$889K Scottsdale$838K Rio Verde$833K New River$750K

Full Phoenix-Mesa-Chandler, AZ analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Phoenix-Mesa-Chandler, AZ metro.

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Surprise, AZ