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City · 19,841 residents · Santa Cruz County, Arizona

Nogales , Arizona

In Nogales, a typical home is worth $186,300 and typical rent is $737 a month. Compared with all of Santa Cruz County, typical household income is 22% lower, the typical home value is 20% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $186,300

    20% below the county

    53% below Arizona

    • Nogales
    • Santa Cruz
    • Arizona

  • Typical rent

    $737a month

    11% below the county

    52% below Arizona

    • Nogales
    • Santa Cruz
    • Arizona

  • Typical household income

    $43,214a year

    22% below the county

    46% below Arizona

    • Nogales
    • Santa Cruz
    • Arizona

  • Households that own their home

    49%

    20 points below the county

    18 points below Arizona

    • Nogales
    • Santa Cruz
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$216,003
about the same as 12 months ago

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

Nogales is in Santa Cruz 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 Santa Cruz County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Nogales apart

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

  1. Nogales has the lowest typical rent of the 89 cities in Arizona with more than 5,000 people: $737.

  2. Nogales has the 4th lowest homeownership rate of the 94 cities in Arizona with more than 5,000 people (49%).

  3. Nogales has the 5th lowest typical household income of the 94 cities in Arizona with more than 5,000 people ($43,214).

  4. The typical home in Nogales is worth $186,300, 20% less than in Santa Cruz County as a whole ($233,000).

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

The homes here

Housing in Nogales

What homes there are in Nogales, 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

In Nogales, 5 in 10 homes are single-family detached houses; in Santa Cruz County, 7.

Year built

The typical home in Nogales was built in 1978, 13 years before the typical one in Santa Cruz County.

There are fewer big homes in Nogales than in Santa Cruz County: 57% have 3 bedrooms or more, against 66%.

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

By price, most homes in Nogales sit under the FHA limit for Santa Cruz County ($541,287): about 93%.

Monthly rent with utilities

About 81% of rented homes in Nogales cost less than HUD's 2-bedroom fair market rent for Santa Cruz County ($1,041).

With a mortgage

$1,166 a month

Santa Cruz County: $1,282 a month

Without a mortgage

$378 a month

Santa Cruz County: $402 a month

Owners with a mortgage

53%

Santa Cruz County: 63%

Owning costs less in Nogales: with a mortgage, the typical cost is $1,166 a month; in Santa Cruz County, $1,282. Without one, $378.

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

Much as in Santa Cruz County, the typical home value in Nogales rose 56% since 2015–2019.

The typical rent in Nogales rose 25% since 2015–2019, about the same as in Santa Cruz County (23%).

While home values in Nogales changed +56% and rent +25%, the typical household income rose 47%.

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

MeasureNogalesSanta Cruz CountyArizonaUnited States
Rental vacancy Unreliable estimate9.0%5.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 8.1%6.0%4.3%3.4%
People per household 3.012.882.532.53
Drive alone 71%76%67%69%
Carpool 15%12%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 7%9%18%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 8.1% of households in Nogales live, more than in Santa Cruz County (6.0%).

Much as in Santa Cruz County, a household in Nogales has 3.01 people on average.

To get to work, 71% of workers in Nogales drive alone; in Santa Cruz County, 76%.

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 Nogales?

A typical home costs more than the typical income allows

We start with a typical home in Nogales, worth $186,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Nogales, which is $43,214 a year. For that payment to be 28% of income, a household would need to earn about $63,294 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Nogales. 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 $6,521 (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

$1,477

at 7.18% · 30 years

Loan amount
$182,925
Total interest
$263,186
Paid off in
November 2056

Includes $3,146 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,008 a month

  • Tight

    $1,008 to $1,296 a month

  • Hard

    more than $1,296 a month

    Your payment · 41%

Compared with the typical household income in Nogales ($43,214 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,477
Principal & interest$1,239
Property tax$78
Home insurance$78
FHA mortgage insurance (MIP)$82

You need at least $6,521 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

Nogales and Santa Cruz County

Nogales is in Santa Cruz 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).

Nogales's own numbers

Typical home value
$186,300
Typical monthly rent
$737
Typical yearly household income
$43,214
Households that own their home
49%
Effective property tax rate
0.5%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Santa Cruz County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,041
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
13%

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 Santa Cruz County.

Everything about Santa Cruz County

Buying

Buying a home in Nogales

A typical home in Nogales is worth $186,300: 20% below the county and 53% below Arizona. With the typical household income in Nogales ($43,214 a year), a typical home costs 4.3 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.

  • Nogales 4.3 years
  • Santa Cruz 4.2 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Santa Cruz County

According to FHFA’s house price index, home prices in Santa Cruz County rose 100% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Santa Cruz County.

Period County Arizona U.S.
Last year (2025) −0.7% +0.9% +2.9%
5 years (2020–2025) +52% +55% +47%
10 years (2015–2025) +100% +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

Nogales next to Santa Cruz 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
  • Nogales $186,300
  • Santa Cruz $233,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Nogales $737
  • Santa Cruz $829
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Nogales $43,214
  • Santa Cruz $55,217
  • Arizona $79,964
  • United States $80,734
See the full table
Nogales next to Santa Cruz County and Arizona
Measure Nogales Santa Cruz County Arizona U.S.
Typical home value $186,300 $233,000 $394,500 $332,700
Typical monthly rent $737 $829 $1,543 $1,413
Typical yearly household income $43,214 $55,217 $79,964 $80,734
Households that own their home 49% 69% 67% 65%
Typical yearly property tax $927 $1,415 $1,879 $3,119
Effective property tax rate 0.5% 0.61% 0.48% 0.94%
Renters with high rent for their income 46% 50% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Cruz 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 Nogales

For a typical $186,300 home in Nogales, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nogales's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,477a month

    Least cash to close
    Down payment
    $6,521
    Cash to close
    $12,110
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,443a month

    Down payment
    $9,315
    Cash to close
    $14,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,165a month

    Down payment
    $37,260
    Cash to close
    $42,849
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,337a month

    Down payment
    $27,945
    Cash to close
    $33,534
    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 Nogales and for Santa Cruz County.

Property tax

Effective rate in Nogales

0.5%of the home’s value each year

$927 a year for the typical owner in Nogales.

  • Nogales 0.5%
  • Santa Cruz 0.61%
  • 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 Santa Cruz County

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

Homes in the high-risk zone
13%
2,094
Of those, with NFIP insurance
12%
County Arizona U.S.
Homes in the high-risk zone 13% 2.2% 3.5%
Of those, with NFIP insurance 12% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Nogales

Typical rent in Nogales is $737 a month: 11% below the county. In Nogales, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Santa Cruz County, by unit size. To pay the 2-bedroom one ($1,041 a month) without spending more than 30% of your income, you would need to earn $20.02 an hour working full time.

HUD fair market rent for all of Santa Cruz 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 $725 $13.94 $29,000
1 bedroom $796 $15.31 $31,840
2 bedrooms $1,041 $20.02 $41,640
3 bedrooms $1,441 $27.71 $57,640
4 bedrooms $1,485 $28.56 $59,400

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 Nogales

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nogales is in ZIP code 85621.

For 2 bedrooms it is $1,020: $21 less than the fair market rent for Santa Cruz County ($1,041).

  • 85621 $1,020$1,420

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Nogales 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 Nogales

HUD lists 11 buildings with rents for lower incomes in Nogales. These are the largest.

  • Casas de Anza 611 N Legleu St, Nogales 85621 226 low-income homes · Run by Nogales Housing Authority · Average payment: $396 a month · Average wait: 11 months · Homes at several sites (520) 287-4183
  • Santa Carolina Apts 1068 W Paul Bond Dr, Nogales 85621 128 low-income homes · 2 bd: 64 · 3 bd: 64 · In service since 2007 · For families
  • Mountain Pointe Apts Phase I 800 E Baffert Dr, Nogales 85621 108 homes, 95 low-income · 3 bd: 44 · 4 bd: 65 · In service since 2001
  • Loma Mariposa Apts II 1830 N Loma Mariposa Rd, Nogales 85621 100 homes, 74 low-income · 2 bd: 50 · 3 bd: 50 · In service since 2004
  • Casa Bonita Apt Homes 1100 E Parkway Dr, Nogales 85621 64 low-income homes · 2 bd: 18 · 3 bd: 36 · 4 bd: 10 · In service since 1998

See all 12 buildings in Santa Cruz County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Nogales

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 Santa Cruz 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 Nogales

No down payment, repair or rent-help program on our list is for Nogales or Santa Cruz County. The ones below are statewide in Arizona: they work in Nogales 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 Nogales

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

  • The Primavera Foundation, Inc.

    151 W 40th St, Tucson · 57 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (520) 882-5383

  • Pima County Community Land Trust (PCCLT)

    17 N Linda Ave, Tucson · 59 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (520) 603-0587

  • Chicanos Por La Causa-Tucson

    1525 N Oracle Road, Tucson · 61 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (520) 882-0018

All counseling agencies in Arizona

Help in Spanish near Nogales

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 Nogales

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

  • Nogales Housing Authority Public housing and Section 8 vouchers (520) 287-4183

All housing agencies in Arizona Source: HUD

Cities

Other cities in Santa Cruz County

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

Everything about Santa Cruz County Housing in Arizona

Nearby cities

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

Neighboring counties

If Santa Cruz 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 Nogales.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Nogales

Short answers with the numbers for Nogales and all of Santa Cruz 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 Nogales?

The typical home value in Nogales is $186,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Cruz County it is $233,000.

How much does it cost to rent in Nogales?

Typical rent in Nogales is $737 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Cruz County is $1,041.

What is the FHA loan limit in Nogales?

Nogales uses the FHA limit for all of Santa Cruz 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 Nogales?

The typical homeowner in Nogales pays $927 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Santa Cruz County, the rate is 0.61%.

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

We found no HUD-approved counseling agencies with an office in Santa Cruz 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).