In Benson, a typical home is worth $148,900 and typical rent is $783 a month. Compared with all of Cochise County, the typical home value is 32% lower, typical rent is 21% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $221,935 to $252,029.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Benson is in Cochise County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cochise County. See the county
What this place has that others do not, from public data, most unusual first.
1
Benson has the 3rd lowest typical home value of the 93 cities in Arizona with more than 5,000 people ($148,900).
2
Benson has the 4th lowest typical rent of the 89 cities in Arizona with more than 5,000 people ($783).
3
59% of households in Benson own their home, against 71% in Cochise County.
4
The typical household income in Benson is $49,346,17% less than in Cochise County as a whole ($59,742).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Benson
What homes there are in Benson, 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
Benson
Cochise County
Arizona
United States
Kind of home: Benson and its comparisons
Measure
Benson
Cochise County
Arizona
United States
Detached house
39%
65%
64%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
9%
16%
19%
Mobile home
42%
20%
9%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
No kind of home is the majority in Benson; the largest group, mobile homes, adds up to 42%, against 20% in Cochise County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Benson
Cochise County
Arizona
United States
Year built: Benson and its comparisons
Measure
Benson
Cochise County
Arizona
United States
Before 1960
11%
15%
8%
26%
1960–1979
32%
23%
22%
24%
1980–1999
30%
34%
34%
25%
2000–2009
16%
19%
22%
14%
2010 or later
11%
9%
14%
11%
By age, homes in Benson look like those in Cochise County: the typical year built is 1985.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K38%
$100K–$200K22%
$200K–$300K26%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Benson and its comparisons
Measure
Benson
Under $100K
38%
$100K–$200K
22%
$200K–$300K
26%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Benson sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Benson and its comparisons
Measure
Benson
Under $500
Unreliable estimate
$500–$999
66%
$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
$1,262 a month
Cochise County: $1,352 a month
Without a mortgage
$471 a month
Cochise County: $430 a month
Owners with a mortgage
44%
Cochise County: 49%
In Benson, 44% of owners have a mortgage, and their typical cost is $1,262 a month, against $1,352 in Cochise County. Without one it drops to $471.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Benson+38%
Cochise County+49%
Arizona+75%
United States+53%
Typical rent
BensonNo clear change
Cochise County+27%
Arizona+47%
United States+33%
Typical household income
Benson+51%
Cochise County+21%
Arizona+36%
United States+29%
Change since 2015–2019: Benson and its comparisons
Measure
Benson
Cochise County
Arizona
United States
Typical home value
+38%
+49%
+75%
+53%
Typical rent
No clear change
+27%
+47%
+33%
Typical household income
+51%
+21%
+36%
+29%
From 2015–2019 to 2020–2024, the typical home value in Benson rose 38%; in Cochise County, it rose 49%.
Rent in Benson moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Benson and its comparisons
Measure
Benson
Cochise County
Arizona
United States
Rental vacancy
Unreliable estimate
6.6%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.0%
0.9%
More than one person per room
Unreliable estimate
2.8%
4.3%
3.4%
People per household
2.23
2.35
2.53
2.53
Drive alone
71%
74%
67%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
12%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Benson are smaller: 2.23 people on average; in Cochise County, 2.35.
In Benson, 71% of workers drive alone to work; in Cochise County, 74%.
Do the math
What would you pay each month for a home in Benson?
A typical home is tight for the typical income
We start with a typical home in Benson, worth $148,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Benson, which is $49,346 a year. For that payment to be 28% of income, a household would need to earn about $51,491 a year.
The calculator's FHA and conventional loan limits are those of all of Cochise 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 Benson. 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 $5,212 (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
$1,202
at 7.18% · 30 years
Loan amount
$146,203
Total interest
$210,351
Paid off in
November 2056
Includes $2,515 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,151 a month
Tight
$1,151 to $1,480 a month
Your payment · 29%
Hard
more than $1,480 a month
Compared with the typical household income in Benson ($49,346 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$990
Property tax
$83
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,212 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 $1,202; principal and interest $990.
The city and its county
Benson and Cochise County
Benson is in Cochise 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).
Benson
Map of Cochise County, Arizona, with Benson marked. Around it, the neighboring counties.
Benson
Cochise County
Other cities with a page
Benson's own numbers
Typical home value
$148,900
Typical monthly rent
$783
Typical yearly household income
$49,346
Households that own their home
59%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cochise County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
9.5%
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 Cochise County.
A typical home in Benson is worth $148,900: 32% below the county and 62% below Arizona. With the typical household income in Benson ($49,346 a year), a typical home costs 3.0 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.
Benson3.0 years
Cochise3.7 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cochise County
According to FHFA’s house price index, home prices in Cochise County rose 95% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cochise County.
Yearly change in FHFA’s price index in Cochise County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +3.9% +3.9% 2017
2018: +5.7% +5.7% 2018
2019: +7.9% +7.9% 2019
2020: +5.5% +5.5% 2020
2021: +15.3% +15.3% 2021
2022: +17.7% +17.7% 2022
2023: +6.0% +6.0% 2023
2024: +4.4% +4.4% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Cochise County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+3.1%
+0.9%
+2.9%
5 years (2020–2025)
+55%
+55%
+47%
10 years (2015–2025)
+95%
+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
Benson next to Cochise 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
Benson$148,900
Cochise$218,300
Arizona$394,500
United States$332,700
Typical monthly rent
Benson$783
Cochise$995
Arizona$1,543
United States$1,413
Typical yearly household income
Benson$49,346
Cochise$59,742
Arizona$79,964
United States$80,734
See the full table
Benson next to Cochise County and Arizona
Measure
Benson
Cochise County
Arizona
U.S.
Typical home value
$148,900 ▼32% below the county
$218,300
$394,500
$332,700
Typical monthly rent
$783 ▼21% below the county
$995
$1,543
$1,413
Typical yearly household income
$49,346 ▼17% below the county
$59,742
$79,964
$80,734
Households that own their home
59% ▼12 points below the county
71%
67%
65%
Typical yearly property tax
$996 ▼24% below the county
$1,310
$1,879
$3,119
Effective property tax rate
0.67% ▲0.07 points above the county
0.6%
0.48%
0.94%
Renters with high rent for their income
62% ▲14 points above the county
48%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cochise 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 Benson
For a typical $148,900 home in Benson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Benson's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,201a month
Least cash to close
Down payment
$5,212
Cash to close
$9,679
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,174a month
Down payment
$7,445
Cash to close
$11,912
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$952a month
Down payment
$29,780
Cash to close
$34,247
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,090a month
Down payment
$22,335
Cash to close
$26,802
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Benson
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,201
$5,212
$146,203
7.18%
FHA MIP · $66
$9,679
580
Conventional, 5% down
$1,174
$7,445
$141,455
7.18%
PMI · $71
$11,912
620*
Conventional, 20% down, no PMI
$952
$29,780
$119,120
7.18%
None
$34,247
620*
ITIN, 15% down (example)
$1,090
$22,335
$126,565
8.18%
None
$26,802
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 Benson is $783 a month: 21% below the county. In Benson, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cochise County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 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 Cochise County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$836
$16.08
$33,440
1 bedroom
$1,000
$19.23
$40,000
2 bedrooms
$1,153
$22.17
$46,120
3 bedrooms
$1,597
$30.71
$63,880
4 bedrooms
$1,927
$37.06
$77,080
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 Benson
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Benson has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,140 in 85630 to $1,380 in 85602.
1 of the 2 is above the fair market rent for Cochise County ($1,153).
Fair market rent by ZIP code and size in Benson, fiscal year 2027.
85602
$1,080
$1,170
$1,380
$1,870
$2,120
85630
$800
$1,000
$1,140
$1,580
$1,900
ZIP code2 bd3 bd
85602 $1,380$1,870
85630 $1,140$1,580
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Benson 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 Cochise 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 Benson or Cochise County. The ones below are statewide in Arizona: they work in Benson 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).
No legal help resource on our list is for Benson or Cochise 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 Benson and all of Cochise 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 Benson?
The typical home value in Benson is $148,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cochise County it is $218,300.
How much does it cost to rent in Benson?
Typical rent in Benson is $783 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cochise County is $1,153.
What is the FHA loan limit in Benson?
Benson uses the FHA limit for all of Cochise County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Benson?
The typical homeowner in Benson pays $996 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Cochise County, the rate is 0.6%.
Where can I find free help to buy or rent in Benson?
We found no HUD-approved counseling agencies with an office in Cochise County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
