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City · 67,163 residents · Pinal County, Arizona

Maricopa , Arizona

In Maricopa, a typical home is worth $377,200 and typical rent is $1,998 a month. Compared with all of Pinal County, typical rent is 30% higher and typical household income is 20% higher.

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  • Typical home value

    $377,200

    8% above the county

    4% below Arizona

    • Maricopa
    • Pinal
    • Arizona

  • Typical rent

    $1,998a month

    30% above the county

    29% above Arizona

    • Maricopa
    • Pinal
    • Arizona

  • Typical household income

    $96,391a year

    20% above the county

    21% above Arizona

    • Maricopa
    • Pinal
    • Arizona

  • Households that own their home

    84%

    2 points above the county

    16 points above Arizona

    • Maricopa
    • Pinal
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$340,112
3.4% less than 12 months ago
Typical rent
$1,773 a month
0.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Maricopa 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Maricopa apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Guadalupe, the typical rent is $872: 56% less than in Maricopa ($1,998).

  2. Nearby, in Guadalupe, the typical home value is $271,300: 28% less than in Maricopa ($377,200).

  3. The typical rent in Maricopa is $1,998 a month, 30% more than in Pinal County as a whole ($1,537).

  4. The typical household income in Maricopa is $96,391, 20% more than in Pinal County as a whole ($80,266).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Maricopa

What homes there are in Maricopa, 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

The detached house rules in Maricopa: 96% of homes, more than in Pinal County (77%).

Year built

In Maricopa, half of the homes were built before 2007; in Pinal County, before 2004.

There is more room for a big family here: 92% of homes have 3 bedrooms or more, against 70% in Pinal County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Pinal County is $557,750, and about 89% of owner-occupied homes in Maricopa are worth less than that.

Monthly rent with utilities

With a mortgage

$1,849 a month

Pinal County: $1,714 a month

Without a mortgage

$578 a month

Pinal County: $508 a month

Owners with a mortgage

81%

Pinal County: 61%

In Maricopa, 81% of owners have a mortgage, and their typical cost is $1,849 a month, against $1,714 in Pinal County. Without one it drops to $578.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Maricopa rose 87% since 2015–2019, less than in Pinal County (91%).

Much as in Pinal County, the typical rent in Maricopa rose 44% since 2015–2019.

Housing prices ran ahead of income in Maricopa: typical income rose 29%, against +87% for home values and +44% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMaricopaPinal CountyArizonaUnited States
Rental vacancy Unreliable estimate6.9%5.8%5.5%
Homeowner vacancy Unreliable estimate1.2%1.0%0.9%
More than one person per room 3.5%3.7%4.3%3.4%
People per household 3.192.802.532.53
Drive alone 63%68%67%69%
Carpool 12%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 22%17%18%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.5% of households in Maricopa live, near the figure in Pinal County (3.7%).

On average, a household in Maricopa has 3.19 people, more than in Pinal County (2.80).

Working from home is more common in Maricopa: 22%, against 17% in Pinal County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Maricopa?

A typical home costs more than the typical income allows

We start with a typical home in Maricopa, worth $377,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Maricopa, which is $96,391 a year. For that payment to be 28% of income, a household would need to earn about $129,228 a year.

The calculator's FHA and conventional loan limits are those of all of Pinal County.

Your numbers

Local data
$

Starts at the typical home value in Maricopa. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,202 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,015

at 7.18% · 30 years

Loan amount
$370,368
Total interest
$532,873
Paid off in
November 2056

Includes $6,370 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,249 a month

  • Tight

    $2,249 to $2,892 a month

  • Hard

    more than $2,892 a month

    Your payment · 38%

Compared with the typical household income in Maricopa ($96,391 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,015
Principal & interest$2,509
Property tax$182
Home insurance$157
FHA mortgage insurance (MIP)$167

You need at least $13,202 for the down payment, plus closing costs.

Next step

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.

The city and its county

Maricopa and Pinal County

Maricopa 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).

Maricopa's own numbers

Typical home value
$377,200
Typical monthly rent
$1,998
Typical yearly household income
$96,391
Households that own their home
84%
Effective property tax rate
0.58%

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.

Everything about Pinal County

Buying

Buying a home in Maricopa

A typical home in Maricopa is worth $377,200: 8% above the county and 4% below Arizona. With the typical household income in Maricopa ($96,391 a year), a typical home costs 3.9 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.

  • Maricopa 3.9 years
  • Pinal 4.3 years
  • Arizona 4.9 years
  • United States 4.1 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.

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

Maricopa 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
  • Maricopa $377,200
  • Pinal $349,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Maricopa $1,998
  • Pinal $1,537
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Maricopa $96,391
  • Pinal $80,266
  • Arizona $79,964
  • United States $80,734
See the full table
Maricopa next to Pinal County and Arizona
Measure Maricopa Pinal County Arizona U.S.
Typical home value $377,200 $349,000 $394,500 $332,700
Typical monthly rent $1,998 $1,537 $1,543 $1,413
Typical yearly household income $96,391 $80,266 $79,964 $80,734
Households that own their home 84% 82% 67% 65%
Typical yearly property tax $2,200 $1,636 $1,879 $3,119
Effective property tax rate 0.58% 0.47% 0.48% 0.94%
Renters with high rent for their income 52% 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 Maricopa

For a typical $377,200 home in Maricopa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maricopa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,015a month

    Least cash to close
    Down payment
    $13,202
    Cash to close
    $24,518
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $2,946a month

    Down payment
    $18,860
    Cash to close
    $30,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $179

  • Conventional, 20% down, no PMI $2,384a month

    Down payment
    $75,440
    Cash to close
    $86,756
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,732a month

    Down payment
    $56,580
    Cash to close
    $67,896
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Maricopa and for Pinal County.

Property tax

Effective rate in Maricopa

0.58%of the home’s value each year

$2,200 a year for the typical owner in Maricopa.

  • Maricopa 0.58%
  • Pinal 0.47%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Pinal County

FEMA does not publish these numbers by city: they are for all of Pinal County.

Homes in the high-risk zone
1.7%
2,932
Of those, with NFIP insurance
21%
County Arizona U.S.
Homes in the high-risk zone 1.7% 2.2% 3.5%
Of those, with NFIP insurance 21% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Maricopa

Typical rent in Maricopa is $1,998 a month: 30% above the county. In Maricopa, 52% 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.

HUD fair market rent for all of Pinal County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Maricopa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Maricopa has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,710 in 85139 to $2,100 in 85138.

1 of the 2 is above the fair market rent for Pinal County ($1,734).

  • 85138 $2,100$2,770
  • 85139 $1,710$2,260

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Maricopa 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Maricopa

HUD lists 3 buildings with rents for lower incomes in Maricopa. These are the largest.

  • Oasis at the Wells 41535 W Shea Way, Maricopa 85138 72 low-income homes · 1 bd: 18 · 2 bd: 32 · 3 bd: 22 · In service since 2020 · For families
  • Ak-Chin Homes I 42507 W Peters and Nall Rd, Maricopa 85138 36 low-income homes · 2 bd: 13 · 3 bd: 16 · 4 bd: 8 · In service since 2004
  • Ak-Chin Homes II 42507 W Peters and Nall Rd, Maricopa 85138 17 low-income homes · 3 bd: 25 · In service since 2006

See all 29 buildings in Pinal County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Maricopa

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.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Maricopa

No down payment, repair or rent-help program on our list is for Maricopa or Pinal County. The ones below are statewide in Arizona: they work in Maricopa the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    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).

    ForgivableDeferred

    See the program Official page

Housing counselors near Maricopa

The HUD-approved agencies closest to the center of Maricopa, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Newtown Community Development Corporation

    2106 E Apache Blvd, Tempe · 27 miles away · Spanish

    • Budget and financial counseling
    • Pre-purchase counseling
    (480) 517-1589

  • Chicanos Por La Causa, Phoenix

    1402 S Central Ave, Phoenix · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (602) 457-4609

  • Greater Phoenix Urban League

    1402 S 7th Ave, Phoenix · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (602) 254-5611

All counseling agencies in Arizona

Help in Spanish near Maricopa

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Maricopa

HUD’s record names them for Maricopa or Pinal County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pinal County Housing Authority Public housing and Section 8 vouchers (520) 866-7203

One other authority has an office in Pinal County: see the list Source: HUD

Cities

Other cities in Pinal County

These cities are also in Pinal County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinal County Housing in Arizona

Nearby cities

The cities closest to Maricopa, with the typical home value.

Neighboring counties

If Pinal County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Maricopa.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Maricopa

Short answers with the numbers for Maricopa 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 Maricopa?

The typical home value in Maricopa is $377,200, 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 Maricopa?

Typical rent in Maricopa is $1,998 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 Maricopa?

Maricopa 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 Maricopa?

The typical homeowner in Maricopa pays $2,200 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Pinal County, the rate is 0.47%.

Where can I find free help to buy or rent in Maricopa?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).