In Douglas, a typical home is worth $157,700 and typical rent is $772 a month. Compared with all of Cochise County, typical household income is 30% lower, the typical home value is 28% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $164,495 to $172,045.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Douglas 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
Douglas has the 3rd lowest typical household income of the 94 cities in Arizona with more than 5,000 people ($42,019).
2
Douglas has the 3rd lowest typical rent of the 89 cities in Arizona with more than 5,000 people ($772).
3
Douglas has the 4th lowest typical home value of the 93 cities in Arizona with more than 5,000 people ($157,700).
4
63% of households in Douglas own their home, against 71% in Cochise County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Douglas
What homes there are in Douglas, 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
Douglas
Cochise County
Arizona
United States
Kind of home: Douglas and its comparisons
Measure
Douglas
Cochise County
Arizona
United States
Detached house
74%
65%
64%
61%
Attached house
7%
3%
5%
6%
Building of 2 to 4
6%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
9%
16%
19%
Mobile home
Unreliable estimate
20%
9%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Douglas: 74% of homes, more than in Cochise County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Douglas
Cochise County
Arizona
United States
Year built: Douglas and its comparisons
Measure
Douglas
Cochise County
Arizona
United States
Before 1960
39%
15%
8%
26%
1960–1979
30%
23%
22%
24%
1980–1999
19%
34%
34%
25%
2000–2009
8%
19%
22%
14%
2010 or later
5%
9%
14%
11%
The typical home in Douglas was built in 1969, 18 years before the typical one in Cochise County.
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 $100K22%
$100K–$200K51%
$200K–$300K19%
$300K–$500K5%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Douglas and its comparisons
Measure
Douglas
Under $100K
22%
$100K–$200K
51%
$200K–$300K
19%
$300K–$500K
5%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Douglas are worth less than $500,000, below the FHA loan limit for Cochise County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50022%
$500–$99953%
$1,000–$1,49925%
HUD fair market rent, 2 bedrooms: $1,153
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Douglas and its comparisons
Measure
Douglas
Under $500
22%
$500–$999
53%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
By rent, most homes in Douglas cost less than HUD's 2-bedroom fair market rent ($1,153): about 82%.
With a mortgage
$1,132 a month
Cochise County: $1,352 a month
Without a mortgage
$405 a month
Cochise County: $430 a month
Owners with a mortgage
51%
Cochise County: 49%
In Douglas, 51% of owners have a mortgage, and their typical cost is $1,132 a month, against $1,352 in Cochise County. Without one it drops to $405.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Douglas+57%
Cochise County+49%
Arizona+75%
United States+53%
Typical rent
Douglas+26%
Cochise County+27%
Arizona+47%
United States+33%
Typical household income
DouglasNo clear change
Cochise County+21%
Arizona+36%
United States+29%
Change since 2015–2019: Douglas and its comparisons
Measure
Douglas
Cochise County
Arizona
United States
Typical home value
+57%
+49%
+75%
+53%
Typical rent
+26%
+27%
+47%
+33%
Typical household income
No clear change
+21%
+36%
+29%
Since 2015–2019, homes in Douglas gained value faster than in Cochise County: 57% against 49%.
Much as in Cochise County, the typical rent in Douglas rose 26% since 2015–2019.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Douglas and its comparisons
Measure
Douglas
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
2.80
2.35
2.53
2.53
Drive alone
76%
74%
67%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
8%
12%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Douglas are bigger: 2.80 people on average; in Cochise County, 2.35.
The car rules in Douglas: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Douglas?
A typical home is tight for the typical income
We start with a typical home in Douglas, worth $157,700, 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 Douglas, which is $42,019 a year. For that payment to be 28% of income, a household would need to earn about $53,971 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 Douglas. 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 $5,520 (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
$1,259
at 7.18% · 30 years
Loan amount
$154,843
Total interest
$222,783
Paid off in
November 2056
Includes $2,663 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $980 a month
Tight
$980 to $1,261 a month
Your payment · 36%
Hard
more than $1,261 a month
Compared with the typical household income in Douglas ($42,019 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,049
Property tax
$75
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,520 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 $1,259; principal and interest $1,049.
The city and its county
Douglas and Cochise County
Douglas 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).
Douglas
Map of Cochise County, Arizona, with Douglas marked. Around it, the neighboring counties.
Douglas
Cochise County
Other cities with a page
Douglas's own numbers
Typical home value
$157,700
Typical monthly rent
$772
Typical yearly household income
$42,019
Households that own their home
63%
Effective property tax rate
0.57%
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 Douglas is worth $157,700: 28% below the county and 60% below Arizona. With the typical household income in Douglas ($42,019 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.
Douglas3.8 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
Douglas 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
Douglas$157,700
Cochise$218,300
Arizona$394,500
United States$332,700
Typical monthly rent
Douglas$772
Cochise$995
Arizona$1,543
United States$1,413
Typical yearly household income
Douglas$42,019
Cochise$59,742
Arizona$79,964
United States$80,734
See the full table
Douglas next to Cochise County and Arizona
Measure
Douglas
Cochise County
Arizona
U.S.
Typical home value
$157,700 ▼28% below the county
$218,300
$394,500
$332,700
Typical monthly rent
$772 ▼22% below the county
$995
$1,543
$1,413
Typical yearly household income
$42,019 ▼30% below the county
$59,742
$79,964
$80,734
Households that own their home
63% ▼8 points below the county
71%
67%
65%
Typical yearly property tax
$904 ▼31% below the county
$1,310
$1,879
$3,119
Effective property tax rate
0.57% ▼0.03 points below the county
0.6%
0.48%
0.94%
Renters with high rent for their income
46% ▼3 points below 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 Douglas
For a typical $157,700 home in Douglas, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Douglas's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,259a month
Least cash to close
Down payment
$5,520
Cash to close
$10,251
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,230a month
Down payment
$7,885
Cash to close
$12,616
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$995a month
Down payment
$31,540
Cash to close
$36,271
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,141a month
Down payment
$23,655
Cash to close
$28,386
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Douglas
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,259
$5,520
$154,844
7.18%
FHA MIP · $70
$10,251
580
Conventional, 5% down
$1,230
$7,885
$149,815
7.18%
PMI · $75
$12,616
620*
Conventional, 20% down, no PMI
$995
$31,540
$126,160
7.18%
None
$36,271
620*
ITIN, 15% down (example)
$1,141
$23,655
$134,045
8.18%
None
$28,386
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 Douglas is $772 a month: 22% below the county. In Douglas, 46% 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 Douglas
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Douglas is in ZIP code 85607.
For 2 bedrooms it is $1,140: $13 less than the fair market rent for Cochise County ($1,153).
Fair market rent by ZIP code and size in Douglas, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85607
$800
$1,000
$1,140
$1,580
$1,900
ZIP code2 bd3 bd
85607 $1,140$1,580
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Douglas 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)
HUD lists 9 buildings with rents for lower incomes in Douglas. These are the largest.
Coronado Courts1830 Bonita Ave, Douglas 85607145 low-income homes · For families(520) 364-4637
Sonora Vista Apts1600 N Van Buren Ave, Douglas 8560765 homes, 60 low-income · 2 bd: 33 · 3 bd: 32 · In service since 2006
Cochise Villas2700 E 15th St, Douglas 8560760 homes, 58 low-income · 1 bd: 6 · 2 bd: 36 · 3 bd: 18 · In service since 2018 · For families
Sun Ray Family Apartments2511 Hohokam Dr, Douglas 8560757 homes, 56 low-income · 2 bd: 25 · 3 bd: 32 · In service since 2015 · For families
Casas de Esperanza Apartments1201 E 3rd St, Douglas 8560750 low-income homes · 2 bd: 35 · 3 bd: 8 · 4 bd: 7 · In service since 2016 · For families(520) 417-7385
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 Douglas or Cochise County. The ones below are statewide in Arizona: they work in Douglas 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 Douglas 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 Douglas 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 Douglas?
The typical home value in Douglas is $157,700, 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 Douglas?
Typical rent in Douglas is $772 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 Douglas?
Douglas 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 Douglas?
The typical homeowner in Douglas pays $904 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Cochise County, the rate is 0.6%.
Where can I find free help to buy or rent in Douglas?
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.
