In Coolidge, a typical home is worth $255,400 and typical rent is $1,314 a month. Compared with all of Pinal County, the typical home value is 27% lower, typical household income is 16% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $247,239 to $262,567.
Typical rent
$1,575a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,595 to $1,575.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Coolidge 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
Nearby, in Eloy, the typical rent is $978: 26% less than in Coolidge ($1,314).
2
The typical home in Coolidge is worth $255,400,27% less than in Pinal County as a whole ($349,000).
3
The typical household income in Coolidge is $67,023,16% less than in Pinal County as a whole ($80,266).
4
73% of households in Coolidge own their home, against 82% in Pinal County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Coolidge
What homes there are in Coolidge, 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
Coolidge
Pinal County
Arizona
United States
Kind of home: Coolidge and its comparisons
Measure
Coolidge
Pinal County
Arizona
United States
Detached house
85%
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
7%
16%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Coolidge, 8 in 10 homes are single-family detached houses; in Pinal County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Coolidge
Pinal County
Arizona
United States
Year built: Coolidge and its comparisons
Measure
Coolidge
Pinal County
Arizona
United States
Before 1960
13%
4%
8%
26%
1960–1979
22%
10%
22%
24%
1980–1999
12%
21%
34%
25%
2000–2009
31%
40%
22%
14%
2010 or later
22%
25%
14%
11%
The typical year built in Coolidge is 2001, about the same as in Pinal County (2004).
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 $100K19%
$100K–$200K17%
$200K–$300K26%
$300K–$500K36%
$500K–$750KUnreliable
FHA limit: $557,750
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Coolidge and its comparisons
Measure
Coolidge
Under $100K
19%
$100K–$200K
17%
$200K–$300K
26%
$300K–$500K
36%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 98% of owner-occupied homes in Coolidge are worth less than $500,000, below the FHA loan limit for Pinal County ($557,750).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49939%
$1,500–$1,99924%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Coolidge and its comparisons
Measure
Coolidge
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
39%
$1,500–$1,999
24%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,486 a month
Pinal County: $1,714 a month
Without a mortgage
$360 a month
Pinal County: $508 a month
Owners with a mortgage
67%
Pinal County: 61%
In Coolidge, 67% of owners have a mortgage, and their typical cost is $1,486 a month, against $1,714 in Pinal County. Without one it drops to $360.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Coolidge+126%
Pinal County+91%
Arizona+75%
United States+53%
Typical rent
Coolidge+56%
Pinal County+45%
Arizona+47%
United States+33%
Typical household income
Coolidge+36%
Pinal County+38%
Arizona+36%
United States+29%
Change since 2015–2019: Coolidge and its comparisons
Measure
Coolidge
Pinal County
Arizona
United States
Typical home value
+126%
+91%
+75%
+53%
Typical rent
+56%
+45%
+47%
+33%
Typical household income
+36%
+38%
+36%
+29%
Since 2015–2019, homes in Coolidge gained value faster than in Pinal County: 126% against 91%.
The typical rent in Coolidge rose 56% over the same time; in Pinal County, it rose 45%.
Housing prices ran ahead of income in Coolidge: typical income rose 36%, against +126% for home values and +56% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Coolidge and its comparisons
Measure
Coolidge
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
3.10
2.80
2.53
2.53
Drive alone
68%
68%
67%
69%
Carpool
15%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
12%
17%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 3.10 on average, against 2.80 in Pinal County.
Carpooling is common in Coolidge: 15% of workers get to work that way, against 11% in Pinal County.
Do the math
What would you pay each month for a home in Coolidge?
A typical home is tight for the typical income
We start with a typical home in Coolidge, worth $255,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Coolidge, which is $67,023 a year. For that payment to be 28% of income, a household would need to earn about $85,401 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 Coolidge. 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 $8,939 (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
$1,993
at 7.18% · 30 years
Loan amount
$250,774
Total interest
$360,805
Paid off in
November 2056
Includes $4,313 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,564 a month
Tight
$1,564 to $2,011 a month
Your payment · 36%
Hard
more than $2,011 a month
Compared with the typical household income in Coolidge ($67,023 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,699
Property tax
$75
Home insurance
$106
FHA mortgage insurance (MIP)
$113
You need at least $8,939 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 $1,993; principal and interest $1,699.
The city and its county
Coolidge and Pinal County
Coolidge 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).
Coolidge
Map of Pinal County, Arizona, with Coolidge marked. Around it, the neighboring counties.
Coolidge
Pinal County
Other cities with a page
Coolidge's own numbers
Typical home value
$255,400
Typical monthly rent
$1,314
Typical yearly household income
$67,023
Households that own their home
73%
Effective property tax rate
0.35%
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 Coolidge is worth $255,400: 27% below the county and 35% below Arizona. With the typical household income in Coolidge ($67,023 a year), a typical home costs 3.8 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.
Coolidge3.8 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
Coolidge 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
Coolidge$255,400
Pinal$349,000
Arizona$394,500
United States$332,700
Typical monthly rent
Coolidge$1,314
Pinal$1,537
Arizona$1,543
United States$1,413
Typical yearly household income
Coolidge$67,023
Pinal$80,266
Arizona$79,964
United States$80,734
See the full table
Coolidge next to Pinal County and Arizona
Measure
Coolidge
Pinal County
Arizona
U.S.
Typical home value
$255,400 ▼27% below the county
$349,000
$394,500
$332,700
Typical monthly rent
$1,314 ▼15% below the county
$1,537
$1,543
$1,413
Typical yearly household income
$67,023 ▼16% below the county
$80,266
$79,964
$80,734
Households that own their home
73% ▼9 points below the county
82%
67%
65%
Typical yearly property tax
$904 ▼45% below the county
$1,636
$1,879
$3,119
Effective property tax rate
0.35% ▼0.12 points below the county
0.47%
0.48%
0.94%
Renters with high rent for their income
45% ▼1 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 Coolidge
For a typical $255,400 home in Coolidge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coolidge's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,993a month
Least cash to close
Down payment
$8,939
Cash to close
$16,601
Rate
7.18%
Mortgage insurance
FHA MIP · $113
Conventional, 5% down$1,946a month
Down payment
$12,770
Cash to close
$20,432
Rate
7.18%
Mortgage insurance
PMI · $121
Conventional, 20% down, no PMI$1,565a month
Down payment
$51,080
Cash to close
$58,742
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,801a month
Down payment
$38,310
Cash to close
$45,972
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Coolidge
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,993
$8,939
$250,774
7.18%
FHA MIP · $113
$16,601
580
Conventional, 5% down
$1,946
$12,770
$242,630
7.18%
PMI · $121
$20,432
620*
Conventional, 20% down, no PMI
$1,565
$51,080
$204,320
7.18%
None
$58,742
620*
ITIN, 15% down (example)
$1,801
$38,310
$217,090
8.18%
None
$45,972
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 Coolidge is $1,314 a month: 15% below the county. In Coolidge, 45% 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 Coolidge
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coolidge has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,380 in 85128 to $1,480 in 85194.
None is above the fair market rent for Pinal County ($1,734).
Fair market rent by ZIP code and size in Coolidge, fiscal year 2027.
85128
$1,110
$1,190
$1,380
$1,870
$2,120
85194
$1,190
$1,270
$1,480
$1,950
$2,170
ZIP code2 bd3 bd
85128 $1,380$1,870
85194 $1,480$1,950
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Coolidge 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 Coolidge or Pinal County. The ones below are statewide in Arizona: they work in Coolidge 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 Coolidge 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 Coolidge 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 Coolidge?
The typical home value in Coolidge is $255,400, 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 Coolidge?
Typical rent in Coolidge is $1,314 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 Coolidge?
Coolidge 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 Coolidge?
The typical homeowner in Coolidge pays $904 a year, according to the U.S. Census Bureau. That is 0.35% of the home’s value; in Pinal County, the rate is 0.47%.
Where can I find free help to buy or rent in Coolidge?
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.
