PHOENIX — Gov. Katie Hobbs asked lawmakers Monday to approve a new program she said will make home ownership more affordable for middle-income and rural homebuyers.

In her second State of the State address, Hobbs said she wants to expand down payment assistance and mortgage rate relief for families making 80% or less of an area median income. She said that figure for Phoenix would mean any family making $75,000 would qualify.

That proposal would require legislative approval.

More to the point, it also would require money. But gubernatorial staffers provided no details as to how much — and where they would find the cash in a year where revenues are running behind expenses to pay for any of that.

Press aide Christian Slater said there would be more specifics when Hobbs releases her budget plan on Friday.

Other key points of the governor’s address include:

• Approving a workaround of state water laws that have stymied new development in areas of Buckeye and Queen Creek that do not have a 100-year assured supply of groundwater;

• Extending a program that allows the state to take money out of a special trust account to supplement state aid to schools, a measure that would require not only legislative but voter approval;

• Repeating her demand for more “accountability and transparency” in the program that allows students to get vouchers of state funds to attend private and parochial schools, a plan Republican leaders already have pronounced dead on arrival;

• Providing greater oversight of long-term care and sober-living facilities, increasing the fines on violators and allowing Adult Protective Services to seek emergency protection orders;

• Expanding access to health care and affordable medication through doubling the size of the University of Arizona medical school, creating an “engineering-focused medical school” at Arizona State University, and opening a new medical school at Northern Arizona University.

She also wants to crack down on what she called “price-gouging middle men in our health care system” that boost the cost of prescription drugs.

The governor also said she wants lawmakers to repeal the territorial-era law that outlaws abortions except to save the life of the mother.

A trial judge ruled that old law, never repealed after the U.S. Supreme Court ruling of Roe v. Wade, was automatically reinstated once the justices voided that decision. The state Court of Appeals disagreed, saying a more recent 15-week ban, takes precedence.

Now the issue is before the Arizona Supreme Court. But the governor does not want the right to terminate a pregnancy dependent on what a majority of the seven-member court concludes.

“There are commonsense bills we can pass right now that will expand access to reproductive health care,” Hobbs said.

Aside from repealing the old law, Hobbs wants lawmakers to enact a “Right to Contraception Act.”

She provided no details of what that would include.

But it presumably encompasses not just the right to terminate a pregnancy — the subject of an initiative drive to put that into the Arizona Constitution — but also designed to preclude future legislation that could limit access to things such as birth-control devices.

The voucher and abortion issues are repeats of last year’s state of the state address, proposals that prompted a walkout of a large number of majority Republicans. This year, one senator, Anthony Kern, turned his back on Hobbs when she urged lawmakers to protect the rights of Arizonans to have abortions.

One proposal that could have broad implications deals with affordable housing.

“I have personally felt the fear and uncertainty of not knowing how you’re going to make your next mortgage payment,” Hobbs said.

“Our state’s economy is strong and its opportunities are abundant,” the governor said. “However, we cannot ignore the fact that for Arizonans across all age, color and geographical boundaries, our housing affordability crisis has erased feelings of prosperity for too many.”

Hobbs did get lawmakers to make a one-time $150 million deposit this past year into the Housing Trust Fund. She said that directly led to 15 new affordable developments, half in rural communities, creating more than a thousand units.

But there were no details about how she plans to provide down payment assistance to some families or provide them with any relief from what have been mortgage interest rates hovering close to 7%.

Closely linked to housing, Hobbs said, is water.

She specifically noted the historic 1980 Groundwater Management Act provided no guardrails for rural areas. The governor said she support proposals from her Water Policy Council that would allow the Department of Water Resources to form some type of oversight districts that could each decide what rules on groundwater pumping are appropriate.

Then there’s the fact that DWR declared areas of Queen Creek and Buckeye off limits to new residential construction after it was determined they do not have the legally required 100-year supply of groundwater. That provoked outcries from developers.

Now, however, Hobbs said there is a way for DWR to “finalize a new pathway for water providers and communities who have historically relied on groundwater resources.” In essence, it would give developers an opportunity to achieve that 100-year supply — eventually — by finding new water sources.

Legislative approval, however, would be required for two of the governor’s proposals to amend the 1980 law.

One would address the fact the 100-year requirement applies only for owner-occupied homes. Hobbs said that should be extended to build-to-rent subdivisions being erected.

The other would close loopholes that allow for “wildcat” development, with subdivisions skating those water-requirement laws.

Hobbs does want to make prescription drugs more affordable. But there are few details.

Much of that is built around some unspecified regulation she wants lawmakers to enact of “pharmacy benefit managers” who handle prescriptions for insurance companies.

Supporters say they can negotiate lower prices with manufacturers. But there also are accusations they add in their own profits without actually helping the ultimate customers.

Hobbs provided no explanation of how the state would regulate these pharmacy benefit managers — or even the legal authority to do so.

She faces similar problems with her proposals to enact laws to require that Arizonans get advanced notice of price increases for medication, or a separate program she said would cap prices on commonly used drugs like insulin. The Republican-controlled Legislature has proven hostile to any form of price control.

Hobbs also added her voice to desires by some Republican to give teachers a raise. But Hobbs wants that extended to support staff like librarians and guidance counselors.

The GOP plan would finance that through extension of Proposition 123, which taps the land trust for K-12 education. Hobbs had no specific suggestions.

A proposal last year to roll back universal vouchers to save money went nowhere. This year the governor is back with a plan for what she calls “accountability and transparency” that she says would save money.