With a 90k income, homeownership in Arizona might be more challenging, especially in Phoenix. Financial advisors recommend spending about 3 to 4 times your annual income on a home, setting your budget between $270,000 and $360,000.

However, the median home price in Phoenix is approximately $480,000, which exceeds your maximum affordability range. This suggests that the major market may be less accessible at your current income level.

That said, more affordable options may be found in other areas such as Tucson and Mesa, where prices average around $420,000. Arizona has a property tax rate of 0.75%, or roughly $3,600 per year on an average home. Considering a cost of living slightly below the national average, you might need to explore alternative locations or financing strategies to meet your homeownership goals.