In Arizona City, a typical home is worth $244,100 and typical rent is $990 a month. Compared with all of Pinal County, typical rent is 36% lower and the typical home value is 30% lower.
Typical rent from Zillow, June 2025 to September 2026: from $1,304 to $1,317.
From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Arizona City is in Pinal County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Pinal County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical rent in Arizona City is $990 a month, 36% less than in Pinal County as a whole ($1,537).
2
The typical home in Arizona City is worth $244,100,30% less than in Pinal County as a whole ($349,000).
3
The typical household income in Arizona City is $66,420,17% less than in Pinal County as a whole ($80,266).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Arizona City
What homes there are in Arizona City, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Arizona City
Pinal County
Arizona
United States
Kind of home: Arizona City and its comparisons
Measure
Arizona City
Pinal County
Arizona
United States
Detached house
69%
77%
64%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
16%
19%
Mobile home
16%
16%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Arizona City, 7 in 10 homes are single-family detached houses; in Pinal County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Arizona City
Pinal County
Arizona
United States
Year built: Arizona City and its comparisons
Measure
Arizona City
Pinal County
Arizona
United States
Before 1960
Unreliable estimate
4%
8%
26%
1960–1979
11%
10%
22%
24%
1980–1999
33%
21%
34%
25%
2000–2009
41%
40%
22%
14%
2010 or later
12%
25%
14%
11%
In Arizona City, half of the homes were built before 2001; in Pinal County, before 2004.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K53%
$300K–$500K18%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Arizona City and its comparisons
Measure
Arizona City
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
53%
$300K–$500K
18%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Arizona City and its comparisons
Measure
Arizona City
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,255 a month
Pinal County: $1,714 a month
Without a mortgage
$437 a month
Pinal County: $508 a month
Owners with a mortgage
59%
Pinal County: 61%
The typical cost for an owner with a mortgage in Arizona City is $1,255 a month, less than in Pinal County ($1,714); without one, $437.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Arizona City+117%
Pinal County+91%
Arizona+75%
United States+53%
Typical rent
Arizona CityNo clear change
Pinal County+45%
Arizona+47%
United States+33%
Typical household income
Arizona City+65%
Pinal County+38%
Arizona+36%
United States+29%
Change since 2015–2019: Arizona City and its comparisons
Measure
Arizona City
Pinal County
Arizona
United States
Typical home value
+117%
+91%
+75%
+53%
Typical rent
No clear change
+45%
+47%
+33%
Typical household income
+65%
+38%
+36%
+29%
The typical home value in Arizona City rose 117% since 2015–2019, more than in Pinal County (91%).
The typical rent in Arizona City stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Arizona City and its comparisons
Measure
Arizona City
Pinal County
Arizona
United States
Rental vacancy
Unreliable estimate
6.9%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.7%
4.3%
3.4%
People per household
2.59
2.80
2.53
2.53
Drive alone
70%
68%
67%
69%
Carpool
Unreliable estimate
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
11%
17%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.59 on average, against 2.80 in Pinal County.
The car rules in Arizona City: 70% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Arizona City?
A typical home is tight for the typical income
We start with a typical home in Arizona City, worth $244,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Arizona City, which is $66,420 a year. For that payment to be 28% of income, a household would need to earn about $81,972 a year.
The calculator's FHA and conventional loan limits are those of all of Pinal County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Arizona City. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,544 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,913
at 7.18% · 30 years
Loan amount
$239,678
Total interest
$344,841
Paid off in
November 2056
Includes $4,122 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,550 a month
Tight
$1,550 to $1,993 a month
Your payment · 35%
Hard
more than $1,993 a month
Compared with the typical household income in Arizona City ($66,420 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,624
Property tax
$79
Home insurance
$102
FHA mortgage insurance (MIP)
$108
You need at least $8,544 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,913; principal and interest $1,624.
The city and its county
Arizona City and Pinal County
Arizona City is in Pinal County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Arizona City
Map of Pinal County, Arizona, with Arizona City marked. Around it, the neighboring counties.
Arizona City
Pinal County
Other cities with a page
Arizona City's own numbers
Typical home value
$244,100
Typical monthly rent
$990
Typical yearly household income
$66,420
Households that own their home
79%
Effective property tax rate
0.39%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pinal County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinal County.
A typical home in Arizona City is worth $244,100: 30% below the county and 38% below Arizona. With the typical household income in Arizona City ($66,420 a year), a typical home costs 3.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Arizona City3.7 years
Pinal4.3 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pinal County
According to FHFA’s house price index, home prices in Pinal County rose 138% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pinal County.
Yearly change in FHFA’s price index in Pinal County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.5% +8.5% 2017
2018: +10.0% +10.0% 2018
2019: +9.4% +9.4% 2019
2020: +6.3% +6.3% 2020
2021: +22.0% +22.0% 2021
2022: +24.5% +24.5% 2022
2023: +0.9% +0.9% 2023
2024: +2.8% +2.8% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Pinal County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+1.1%
+0.9%
+2.9%
5 years (2020–2025)
+59%
+55%
+47%
10 years (2015–2025)
+138%
+119%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Arizona City next to Pinal County, Arizona and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Arizona City$244,100
Pinal$349,000
Arizona$394,500
United States$332,700
Typical monthly rent
Arizona City$990
Pinal$1,537
Arizona$1,543
United States$1,413
Typical yearly household income
Arizona City$66,420
Pinal$80,266
Arizona$79,964
United States$80,734
See the full table
Arizona City next to Pinal County and Arizona
Measure
Arizona City
Pinal County
Arizona
U.S.
Typical home value
$244,100 ▼30% below the county
$349,000
$394,500
$332,700
Typical monthly rent
$990 ▼36% below the county
$1,537
$1,543
$1,413
Typical yearly household income
$66,420 ▼17% below the county
$80,266
$79,964
$80,734
Households that own their home
79% ▼3 points below the county
82%
67%
65%
Typical yearly property tax
$944 ▼42% below the county
$1,636
$1,879
$3,119
Effective property tax rate
0.39% ▼0.08 points below the county
0.47%
0.48%
0.94%
Renters with high rent for their income
43% ▼4 points below the county
47%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinal County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Arizona City
For a typical $244,100 home in Arizona City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arizona City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,913a month
Least cash to close
Down payment
$8,544
Cash to close
$15,867
Rate
7.18%
Mortgage insurance
FHA MIP · $108
Conventional, 5% down$1,868a month
Down payment
$12,205
Cash to close
$19,528
Rate
7.18%
Mortgage insurance
PMI · $116
Conventional, 20% down, no PMI$1,504a month
Down payment
$48,820
Cash to close
$56,143
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,730a month
Down payment
$36,615
Cash to close
$43,938
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Arizona City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,913
$8,544
$239,679
7.18%
FHA MIP · $108
$15,867
580
Conventional, 5% down
$1,868
$12,205
$231,895
7.18%
PMI · $116
$19,528
620*
Conventional, 20% down, no PMI
$1,504
$48,820
$195,280
7.18%
None
$56,143
620*
ITIN, 15% down (example)
$1,730
$36,615
$207,485
8.18%
None
$43,938
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Arizona City is $990 a month: 36% below the county. In Arizona City, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pinal County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinal County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,390
$26.73
$55,600
1 bedroom
$1,493
$28.71
$59,720
2 bedrooms
$1,734
$33.35
$69,360
3 bedrooms
$2,287
$43.98
$91,480
4 bedrooms
$2,537
$48.79
$101,480
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Arizona City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arizona City has 2 ZIP codes with their own.
For 2 bedrooms it is $1,380 in all of them.
None is above the fair market rent for Pinal County ($1,734).
Fair market rent by ZIP code and size in Arizona City, fiscal year 2027.
85123
$1,080
$1,170
$1,380
$1,870
$2,120
85193
$1,080
$1,170
$1,380
$1,870
$2,120
ZIP code2 bd3 bd
85123 $1,380$1,870
85193 $1,380$1,870
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arizona City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Pinal County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Arizona City or Pinal County. The ones below are statewide in Arizona: they work in Arizona City the same as in the rest of the state.
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).
The HUD-approved agencies closest to the center of Arizona City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NC
Newtown Community Development Corporation
2106 E Apache Blvd, Tempe · 48 miles away · Spanish
No legal help resource on our list is for Arizona City or Pinal County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Arizona City and all of Pinal County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Arizona City?
The typical home value in Arizona City is $244,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinal County it is $349,000.
How much does it cost to rent in Arizona City?
Typical rent in Arizona City is $990 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinal County is $1,734.
What is the FHA loan limit in Arizona City?
Arizona City uses the FHA limit for all of Pinal County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Arizona City?
The typical homeowner in Arizona City pays $944 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Pinal County, the rate is 0.47%.
Where can I find free help to buy or rent in Arizona City?
We found no HUD-approved counseling agencies with an office in Pinal County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
