In Eloy, a typical home is worth $255,300 and typical rent is $978 a month. Compared with all of Pinal County, typical rent is 36% lower, typical household income is 31% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $259,522 to $266,349.
Typical rent
$1,285a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eloy 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 Avra Valley, the typical home value is $158,400: 38% less than in Eloy ($255,300).
2
The typical rent in Eloy is $978 a month, 36% less than in Pinal County as a whole ($1,537).
3
The typical household income in Eloy is $55,736,31% less than in Pinal County as a whole ($80,266).
4
The typical home in Eloy is worth $255,300,27% less than in Pinal County as a whole ($349,000).
5
12% of households in Eloy have no internet at home (5% in Pinal County).
6
75% of households in Eloy own their home, against 82% in Pinal County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eloy
What homes there are in Eloy, 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
Eloy
Pinal County
Arizona
United States
Kind of home: Eloy and its comparisons
Measure
Eloy
Pinal County
Arizona
United States
Detached house
69%
77%
64%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
5%
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
16%
19%
Mobile home
13%
16%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Eloy, 7 in 10 homes are single-family detached houses; in Pinal County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Eloy
Pinal County
Arizona
United States
Year built: Eloy and its comparisons
Measure
Eloy
Pinal County
Arizona
United States
Before 1960
10%
4%
8%
26%
1960–1979
22%
10%
22%
24%
1980–1999
18%
21%
34%
25%
2000–2009
23%
40%
22%
14%
2010 or later
28%
25%
14%
11%
In Eloy, half of the homes were built before 2000; in Pinal County, before 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 $100K22%
$100K–$200K19%
$200K–$300K20%
$300K–$500K25%
$500K–$750K14%
FHA limit: $557,750
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Eloy and its comparisons
Measure
Eloy
Under $100K
22%
$100K–$200K
19%
$200K–$300K
20%
$300K–$500K
25%
$500K–$750K
14%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
The FHA loan limit for Pinal County is $557,750, and about 89% of owner-occupied homes in Eloy are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50026%
$500–$99927%
$1,000–$1,49928%
$1,500–$1,999Unreliable
HUD fair market rent, 2 bedrooms: $1,734
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Eloy and its comparisons
Measure
Eloy
Under $500
26%
$500–$999
27%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
At least 81% of rented homes in Eloy cost less than $1,500, below HUD's 2-bedroom fair market rent ($1,734).
With a mortgage
$1,290 a month
Pinal County: $1,714 a month
Without a mortgage
$415 a month
Pinal County: $508 a month
Owners with a mortgage
40%
Pinal County: 61%
The typical cost for an owner with a mortgage in Eloy is $1,290 a month, less than in Pinal County ($1,714); without one, $415.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eloy+155%
Pinal County+91%
Arizona+75%
United States+53%
Typical rent
Eloy+36%
Pinal County+45%
Arizona+47%
United States+33%
Typical household income
Eloy+40%
Pinal County+38%
Arizona+36%
United States+29%
Change since 2015–2019: Eloy and its comparisons
Measure
Eloy
Pinal County
Arizona
United States
Typical home value
+155%
+91%
+75%
+53%
Typical rent
+36%
+45%
+47%
+33%
Typical household income
+40%
+38%
+36%
+29%
From 2015–2019 to 2020–2024, the typical home value in Eloy rose 155%; in Pinal County, it rose 91%.
Since 2015–2019, the typical rent in Eloy rose 36%, less than in Pinal County (45%).
The typical household income in Eloy rose 40% over that time; home values changed +155% and rent +36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eloy and its comparisons
Measure
Eloy
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
10.5%
3.7%
4.3%
3.4%
People per household
2.76
2.80
2.53
2.53
Drive alone
68%
68%
67%
69%
Carpool
18%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
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
In Eloy, 10.5% of households live with more than one person per room, against 3.7% in Pinal County.
By size, households in Eloy look like those in Pinal County: 2.76 people on average.
Carpooling is common in Eloy: 18% 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 Eloy?
A typical home costs more than the typical income allows
We start with a typical home in Eloy, worth $255,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Eloy, which is $55,736 a year. For that payment to be 28% of income, a household would need to earn about $87,100 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 Eloy. 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 $8,936 (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
$2,032
at 7.18% · 30 years
Loan amount
$250,675
Total interest
$360,663
Paid off in
November 2056
Includes $4,311 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,301 a month
Tight
$1,301 to $1,672 a month
Hard
more than $1,672 a month
Your payment · 44%
Compared with the typical household income in Eloy ($55,736 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,698
Property tax
$115
Home insurance
$106
FHA mortgage insurance (MIP)
$113
You need at least $8,936 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 $2,032; principal and interest $1,698.
The city and its county
Eloy and Pinal County
Eloy 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).
Eloy
Map of Pinal County, Arizona, with Eloy marked. Around it, the neighboring counties.
Eloy
Pinal County
Other cities with a page
Eloy's own numbers
Typical home value
$255,300
Typical monthly rent
$978
Typical yearly household income
$55,736
Households that own their home
75%
Effective property tax rate
0.54%
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 Eloy is worth $255,300: 27% below the county and 35% below Arizona. With the typical household income in Eloy ($55,736 a year), a typical home costs 4.6 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.
Eloy4.6 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
Eloy 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
Eloy$255,300
Pinal$349,000
Arizona$394,500
United States$332,700
Typical monthly rent
Eloy$978
Pinal$1,537
Arizona$1,543
United States$1,413
Typical yearly household income
Eloy$55,736
Pinal$80,266
Arizona$79,964
United States$80,734
See the full table
Eloy next to Pinal County and Arizona
Measure
Eloy
Pinal County
Arizona
U.S.
Typical home value
$255,300 ▼27% below the county
$349,000
$394,500
$332,700
Typical monthly rent
$978 ▼36% below the county
$1,537
$1,543
$1,413
Typical yearly household income
$55,736 ▼31% below the county
$80,266
$79,964
$80,734
Households that own their home
75% ▼7 points below the county
82%
67%
65%
Typical yearly property tax
$1,373 ▼16% below the county
$1,636
$1,879
$3,119
Effective property tax rate
0.54% ▲0.07 points above the county
0.47%
0.48%
0.94%
Renters with high rent for their income
44% ▼2 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 Eloy
For a typical $255,300 home in Eloy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eloy's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,032a month
Least cash to close
Down payment
$8,936
Cash to close
$16,595
Rate
7.18%
Mortgage insurance
FHA MIP · $113
Conventional, 5% down$1,986a month
Down payment
$12,765
Cash to close
$20,424
Rate
7.18%
Mortgage insurance
PMI · $121
Conventional, 20% down, no PMI$1,605a month
Down payment
$51,060
Cash to close
$58,719
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,841a month
Down payment
$38,295
Cash to close
$45,954
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eloy
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,032
$8,936
$250,676
7.18%
FHA MIP · $113
$16,595
580
Conventional, 5% down
$1,986
$12,765
$242,535
7.18%
PMI · $121
$20,424
620*
Conventional, 20% down, no PMI
$1,605
$51,060
$204,240
7.18%
None
$58,719
620*
ITIN, 15% down (example)
$1,841
$38,295
$217,005
8.18%
None
$45,954
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 Eloy is $978 a month: 36% below the county. In Eloy, 44% 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 Eloy
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eloy is in ZIP code 85131.
For 2 bedrooms it is $1,380: $354 less than the fair market rent for Pinal County ($1,734).
Fair market rent by ZIP code and size in Eloy, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85131
$1,080
$1,170
$1,380
$1,870
$2,120
ZIP code2 bd3 bd
85131 $1,380$1,870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eloy 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 5 buildings with rents for lower incomes in Eloy. These are the largest.
Maddox Estates Townhomes517 W Alsdorf Rd, Eloy 8513160 low-income homes · 2 bd: 26 · 3 bd: 29 · 4 bd: 5 · In service since 2005 · For families
Villas de Sonora Senior Housing507 W Alsdorf Rd, Eloy 8513136 homes, 31 low-income · 1 bd: 30 · 2 bd: 7 · In service since 2007 · For older adults
Eloy Village Apts413 E 1st St, Eloy 8513132 homes, 31 low-income · 1 bd: 10 · 2 bd: 20 · 3 bd: 2 · In service since 1994
Santa Cruz Village118 E 5th St, Eloy 8513130 low-income homes · For older adults(520) 466-7706
Family Estates of Eloy Apts701 N A St, Eloy 8513124 low-income homes · 1 bd: 4 · 2 bd: 16 · 3 bd: 4 · In service since 1995 · For families(520) 466-3779
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 Eloy or Pinal County. The ones below are statewide in Arizona: they work in Eloy 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 Eloy 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 Eloy 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 Eloy?
The typical home value in Eloy is $255,300, 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 Eloy?
Typical rent in Eloy is $978 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 Eloy?
Eloy 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 Eloy?
The typical homeowner in Eloy pays $1,373 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Pinal County, the rate is 0.47%.
Where can I find free help to buy or rent in Eloy?
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.
