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State

Data from November 2026

Housing , home prices, rents and assistance in Arizona (2026)

A typical home in Arizona is worth $394,500; the typical rent is $1,543 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $609,500. 21 HUD-approved counseling agencies serve Arizona; 17 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $201,500
  • $201,500–$218,300
  • $218,300–$281,000
  • $281,000–$425,200
  • $425,200 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$394,500
19% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,543
9% more than the U.S.
U.S.: $1,413
Typical household income
$79,964
About the same as the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $609,500
It changes by county. The highest: Coconino County.
U.S.: $541,287 to $1,299,500
Property tax
0.48%
of value a year
The typical bill is $1,879 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Arizona

A typical home in Arizona is worth $394,500, 19% more than in the country overall. Across its 15 counties, the typical value runs from $63,700 in Apache County to $452,800 in Maricopa County. A typical household earns $79,964 a year and pays $1,543 a month in rent; 51% of renters put 30% or more of their income toward housing. 67% of households live in a home they own; they pay a typical property tax of $1,879 a year, about 0.48% of value.

The conforming loan limit for a one-unit home is $832,750 across Arizona. To pay HUD’s fair rent for a 2-bedroom apartment in Arizona ($1,616) without spending more than 30% of income, you need about $31.08 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Arizona

More on property tax

  • Senior Property Valuation Protection (valuation freeze)

    Owners who meet age and income requirements can freeze the valuation of their primary residence for a renewable three years. You apply to the county assessor with ADOR Form 82104. Arizona has no general property-tax homestead exemption; relief comes through programs like this one and specific exemptions.

    Arizona Department of Revenue (ADOR) · Verified October 15, 2026

  • Deadline to appeal the Notice of Value

    If you disagree with the value on the annual notice, you can appeal to the county assessor with Form 82130 within 60 days.

    Arizona Department of Revenue (ADOR) · Verified October 15, 2026

  • The constitution bars new real property sale or transfer taxes

    The Arizona Constitution bars the state, counties, cities, towns, municipalities and other political subdivisions from imposing any new tax, fee or stamp requirement on selling, buying or conveying any interest in real property. It does not apply to taxes, fees or other assessments that already existed on December 31, 2007.

    Arizona Constitution (Arizona State Legislature) · Verified October 16, 2026

  • $2 real estate transfer fee at recording

    Before recording a deed or contract for the sale or transfer of real property, the county recorder collects a $2 fee. That fee is already included in the amount charged under section 11-475, subsection A.

    Arizona Revised Statutes (Arizona State Legislature) · Verified October 16, 2026

  • Affidavit of legal value at recording

    Every deed transferring title must carry, when recorded, an affidavit of the seller and the buyer (affidavit of legal value). The county recorder will not record the deed without a complete affidavit unless the document notes an exemption.

    Arizona Revised Statutes (Arizona State Legislature) · Verified October 16, 2026

The homes here

Housing in Arizona

What homes there are in Arizona, 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

The detached house is the most common home in Arizona: 64% of homes, near the figure in the U.S. (61%).

Mobile homes are 9% of homes in Arizona, more than in the U.S. (6%).

Year built

Here half of the homes date from 1992 or later; in the U.S., from 1980 or later.

By size, homes in Arizona look like those in the U.S.: 61% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Arizona is worth between $300K and $500K: 36%.

Monthly rent with utilities

The largest group of rented homes in Arizona pays between $1,000 and $1,499 a month: 28%.

With a mortgage

$1,803 a month

United States: $1,963 a month

Without a mortgage

$525 a month

United States: $638 a month

Owners with a mortgage

62%

United States: 61%

In Arizona, 62% of owners have a mortgage, and their typical cost is $1,803 a month, against $1,963 in the U.S.. Without one it drops to $525.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Arizona rose 75%; in the U.S., it rose 53%.

Since 2015–2019, the typical rent in Arizona rose 47%, more than in the U.S. (33%).

Housing prices ran ahead of income in Arizona: typical income rose 36%, against +75% for home values and +47% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureArizonaUnited States
Rental vacancy 5.8%5.5%
Homeowner vacancy 1.0%0.9%
More than one person per room 4.3%3.4%
People per household 2.532.53
Drive alone 67%69%
Carpool 10%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 18%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

Much as in the U.S., the rental vacancy rate in Arizona is 5.8%.

Much as in the U.S., 4.3% of households in Arizona have more than one person per room.

Much as in the U.S., a household in Arizona has 2.53 people on average.

Working from home is more common in Arizona: 18%, against 15% in the U.S..

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Arizona

Sort by any column. Each name leads to its page.

See the counties page
Population, typical home value, FHA limit, 2-bedroom fair rent and typical income by county in Arizona
Maricopa County4,559,748$452,800$557,750$1,734$89,300
Pima County1,060,490$319,700$541,287$1,405$70,315
Pinal County469,006$349,000$557,750$1,734$80,266
Yavapai County245,480$425,200$541,287$1,550$69,613
Mohave County220,517$281,000$541,287$1,229$57,684
Yuma County211,741$217,800$541,287$1,244$62,876
Coconino County144,508$448,000$609,500$1,729$72,966
Cochise County125,566$218,300$541,287$1,153$59,742
Navajo County108,415$201,500$541,287$1,264$54,606
Apache County65,341$63,700$541,287$1,071$41,438
Gila County53,795$269,400$541,287$1,380$61,986
Santa Cruz County48,926$233,000$541,287$1,041$55,217
Graham County39,232$212,000$541,287$1,159$67,325
La Paz County16,664$135,800$541,287$1,038$49,478
Greenlee County9,409$158,600$541,287$1,043$71,164

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Arizona

Start from the typical home value in Arizona, $394,500, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Arizona

$
%

Estimated monthly payment

$3,121

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Arizona rose 119% in the 10 years through 2025.

Price change each year

Period Arizona United States
In 2025 +0.9% +2.9%
5 years (2020–2025) +55% +47%
10 years (2015–2025) +119% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Arizona were 1% higher than the U.S. average. Housing rents were 6% higher than nationwide.

Category Arizona United States Versus the U.S.
All prices Consumer goods and services 100.7 100.0 1% more
Housing rents What renters pay 106.8 100.6 6% more
Water, power and gas Water, sewer, electricity and gas 92.3 98.4 6% less
Goods Food, clothing, transportation and more 95.4 99.6 4% less
Other services Services other than rent 102.8 100.1 3% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Arizona 2.2% of homes (57,819) are in a high-risk flood zone. Of those homes, 21% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Arizona United States
Homes in a high-risk zone 2.2% 3.5%
Of those, with NFIP insurance 21% 48%
All homes with NFIP insurance 0.7% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Arizona

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (78)

    Help to buy

    Assistance programs in Arizona

    Our list has 2 official programs that help you buy in Arizona. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Home Plus

      Open, per the source

      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).

      ForgivableDeferred Verified November 5, 2026

    2. Home in Five Advantage

      Only in: Maricopa County

      Help from the Phoenix and Maricopa County development authorities for the down payment and closing costs in Maricopa County: up to 6% as a second loan, forgivable or with payments depending on the option; no first-time buyer requirement. Offered by Maricopa County Industrial Development Authority and The Industrial Development Authority of the City of Phoenix.

      ForgivableRepayable Verified November 5, 2026

    Tenant rights

    Tenant rights in Arizona

    Arizona law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In Arizona, a landlord cannot ask for or accept more than 1.5 months' rent as security, including prepaid rent. You may choose to pay more rent in advance if you want.

      Ariz. Rev. Stat. §33-1321(A)

    2. When must they return my deposit?

      After the tenancy ends, you return the unit and ask for your deposit, the landlord has 14 days (not counting Saturdays, Sundays or holidays) to give you a list of deductions and any money owed to you.

      Ariz. Rev. Stat. §33-1321(D)

    3. If I fall behind on rent, what notice must I get?

      If you don't pay rent on time, the landlord can give you a written notice. If you don't pay within 5 days after the notice, the landlord can go to court to end the rental agreement. These are calendar days.

      Ariz. Rev. Stat. §33-1368(B)

    4. How much notice ends a month-to-month rental?

      To end a month-to-month rental in Arizona, the landlord or tenant must give written notice at least 30 days before the rent due date named in the notice.

      Ariz. Rev. Stat. §33-1375(B)

    5. Are there limits on late fees?

      Before the landlord files in court, your rental agreement is reinstated if you pay all past-due rent and a reasonable late fee that is written in your rental agreement.

      Ariz. Rev. Stat. §33-1368(B)

    A mother holding her baby watches her daughter blow bubbles outdoors.

    Help and advice

    Who can help you in Arizona?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    21 HUD-approved counseling agencies serve Arizona; 17 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    23 public housing authorities run Section 8 vouchers and public housing in Arizona.

    See all 21 agencies See the housing agencies

    Where to file a complaint in Arizona

    • Where to file a housing discrimination complaint

      The Civil Rights Division of the Arizona Attorney General's Office enforces Arizona's Fair Housing Act. If you believe you were discriminated against in housing, you must file your complaint with the Division within 12 months.

      Arizona Attorney General's Office, Civil Rights Division · Verified October 16, 2026

    Guides

    Guides for you in Arizona

    We picked them with the numbers of Arizona. Each one says why it can help you.

    Frequently asked questions about housing in Arizona

    What is the FHA limit in Arizona in 2026?

    In Arizona, the FHA limit for a one-unit home runs from $541,287 to $609,500. The highest is in Coconino County.

    How much does a typical home cost in Arizona?

    The typical home value in Arizona is $394,500 (Average 2020–2024, U.S. Census). The highest is in Maricopa County ($452,800) and the lowest in Apache County ($63,700).

    How much does it cost to rent in Arizona?

    The typical rent in Arizona is $1,543 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Arizona?

    At HUD's average fair market rent in Arizona ($1,616, Fiscal year 2027), about $31.08 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Arizona?

    The typical property tax in Arizona is $1,879 a year, about 0.48% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Arizona?

    There are 21 HUD-approved counseling agencies in Arizona; 17 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).