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.
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Home Value$418,248
-3.1%
Rent$1,935/mo
AFFORDABILITYRenting $546/mo cheaper ($1,935 rent)6.50% 30yr, 20% down, county tax + AZ ins. 28% per HUD.
Enter your income for Surprise.
$83,650 on $418,248
Out of reach — 39.7% of income
Need $106,329/yr to afford.
PITI$2,481
P/I39.7%
Afford$295K
Gap-$123K
P&I $2,115Tax $216Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Arizona
Compare Surprise with other housing markets across Arizona.
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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