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City · 48,162 residents · Pima County, Arizona

Oro Valley , Arizona

In Oro Valley, a typical home is worth $475,700 and typical rent is $1,669 a month. Compared with all of Pima County, typical household income is 52% higher, the typical home value is 49% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $475,700

    49% above the county

    21% above Arizona

    • Oro Valley
    • Pima
    • Arizona

  • Typical rent

    $1,669a month

    38% above the county

    8% above Arizona

    • Oro Valley
    • Pima
    • Arizona

  • Typical household income

    $107,117a year

    52% above the county

    34% above Arizona

    • Oro Valley
    • Pima
    • Arizona

  • Households that own their home

    76%

    11 points above the county

    9 points above Arizona

    • Oro Valley
    • Pima
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$493,744
1.2% less than 12 months ago
Typical rent
$1,831 a month
4.3% more than 12 months ago

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

Oro Valley is in Pima 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 Pima County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oro Valley apart

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

  1. The typical household income in Oro Valley is $107,117, 52% more than in Pima County as a whole ($70,315).

  2. The typical home in Oro Valley is worth $475,700, 49% more than in Pima County as a whole ($319,700).

  3. Nearby, in Catalina, the typical home value is $276,200: 42% less than in Oro Valley ($475,700).

  4. Nearby, in Flowing Wells, the typical rent is $1,034: 38% less than in Oro Valley ($1,669).

  5. The typical rent in Oro Valley is $1,669 a month, 38% more than in Pima County as a whole ($1,212).

  6. 76% of households in Oro Valley own their home, against 65% in Pima County.

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

The homes here

Housing in Oro Valley

What homes there are in Oro Valley, 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 Oro Valley: 73% of homes, more than in Pima County (60%).

Year built

The typical home in Oro Valley was built in 1997, 11 years after the typical one in Pima County.

In Oro Valley, 62% of homes have 3 bedrooms or more, more than in Pima County (57%).

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
Monthly rent with utilities

With a mortgage

$2,201 a month

Pima County: $1,656 a month

Without a mortgage

$648 a month

Pima County: $567 a month

Owners with a mortgage

56%

Pima County: 59%

In Oro Valley, 56% of owners have a mortgage, and their typical cost is $2,201 a month, against $1,656 in Pima County. Without one it drops to $648.

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

From 2015–2019 to 2020–2024, the typical home value in Oro Valley rose 53%; in Pima County, it rose 74%.

Rents in Oro Valley rose at about the same pace as in Pima County: 35% since 2015–2019, against 34%.

The typical household income in Oro Valley rose 29%: less than home values (+53%) and rent (+35%).

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

MeasureOro ValleyPima CountyArizonaUnited States
Rental vacancy Unreliable estimate5.5%5.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.0%0.9%
More than one person per room Unreliable estimate3.3%4.3%3.4%
People per household 2.202.362.532.53
Drive alone 68%69%67%69%
Carpool 6%10%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 23%15%18%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.20 on average, against 2.36 in Pima County.

In Oro Valley, 23% of workers work from home, more than in Pima County (15%).

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 Oro Valley?

A typical home costs more than the typical income allows

We start with a typical home in Oro Valley, worth $475,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Oro Valley, which is $107,117 a year. For that payment to be 28% of income, a household would need to earn about $166,202 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oro Valley. 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 $16,650 (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

$3,878

at 7.18% · 30 years

Loan amount
$467,083
Total interest
$672,023
Paid off in
November 2056

Includes $8,033 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,499 a month

  • Tight

    $2,499 to $3,214 a month

  • Hard

    more than $3,214 a month

    Your payment · 43%

Compared with the typical household income in Oro Valley ($107,117 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,878
Principal & interest$3,164
Property tax$305
Home insurance$198
FHA mortgage insurance (MIP)$210

You need at least $16,650 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

Oro Valley and Pima County

Oro Valley is in Pima 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).

Oro Valley's own numbers

Typical home value
$475,700
Typical monthly rent
$1,669
Typical yearly household income
$107,117
Households that own their home
76%
Effective property tax rate
0.77%

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

Numbers for all of Pima County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,405
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.1%

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 Pima County.

Everything about Pima County

Buying

Buying a home in Oro Valley

A typical home in Oro Valley is worth $475,700: 49% above the county and 21% above Arizona. With the typical household income in Oro Valley ($107,117 a year), a typical home costs 4.4 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.

  • Oro Valley 4.4 years
  • Pima 4.5 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pima County

According to FHFA’s house price index, home prices in Pima County rose 111% in the 10 years through 2025.

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

Period County Arizona U.S.
Last year (2025) +1.1% +0.9% +2.9%
5 years (2020–2025) +56% +55% +47%
10 years (2015–2025) +111% +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

Oro Valley next to Pima 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
  • Oro Valley $475,700
  • Pima $319,700
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Oro Valley $1,669
  • Pima $1,212
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Oro Valley $107,117
  • Pima $70,315
  • Arizona $79,964
  • United States $80,734
See the full table
Oro Valley next to Pima County and Arizona
Measure Oro Valley Pima County Arizona U.S.
Typical home value $475,700 $319,700 $394,500 $332,700
Typical monthly rent $1,669 $1,212 $1,543 $1,413
Typical yearly household income $107,117 $70,315 $79,964 $80,734
Households that own their home 76% 65% 67% 65%
Typical yearly property tax $3,686 $2,272 $1,879 $3,119
Effective property tax rate 0.77% 0.71% 0.48% 0.94%
Renters with high rent for their income 47% 53% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pima 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 Oro Valley

For a typical $475,700 home in Oro Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oro Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,878a month

    Least cash to close
    Down payment
    $16,650
    Cash to close
    $30,921
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $210

  • Conventional, 5% down $3,791a month

    Down payment
    $23,785
    Cash to close
    $38,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $226

  • Conventional, 20% down, no PMI $3,081a month

    Down payment
    $95,140
    Cash to close
    $109,411
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,521a month

    Down payment
    $71,355
    Cash to close
    $85,626
    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 Oro Valley and for Pima County.

Property tax

Effective rate in Oro Valley

0.77%of the home’s value each year

$3,686 a year for the typical owner in Oro Valley.

  • Oro Valley 0.77%
  • Pima 0.71%
  • 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 Pima County

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

Homes in the high-risk zone
2.1%
8,094
Of those, with NFIP insurance
21%
County Arizona U.S.
Homes in the high-risk zone 2.1% 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 Oro Valley

Typical rent in Oro Valley is $1,669 a month: 38% above the county. In Oro Valley, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pima County, by unit size. To pay the 2-bedroom one ($1,405 a month) without spending more than 30% of your income, you would need to earn $27.02 an hour working full time.

HUD fair market rent for all of Pima 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 $978 $18.81 $39,120
1 bedroom $1,092 $21.00 $43,680
2 bedrooms $1,405 $27.02 $56,200
3 bedrooms $1,946 $37.42 $77,840
4 bedrooms $2,211 $42.52 $88,440

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 Oro Valley

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

For 2 bedrooms it runs from $2,030 in 85737 to $2,110 in 85755.

2 of the 2 are above the fair market rent for Pima County ($1,405).

  • 85737 $2,030$2,810
  • 85755 $2,110$2,920

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oro Valley 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?

Free help

Help to buy or rent in Oro Valley

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.

There are 4 HUD-approved agencies with an office in Pima County; 4 say they serve in Spanish.

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 Oro Valley

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

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

  • Chicanos Por La Causa-Tucson

    1525 N Oracle Road, Tucson · 12 miles away · Spanish

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

  • Administration of Resources and Choices (ARC)

    1625 N Alvernon Way Ste 101, Tucson · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (520) 623-9383

  • Pima County Community Land Trust (PCCLT)

    17 N Linda Ave, Tucson · 14 miles away · Spanish

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

Every agency in Pima County All counseling agencies in Arizona

Help in Spanish near Oro Valley

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 Oro Valley

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

2 other authorities have an office in Pima County: see the list Source: HUD

Cities

Other cities in Pima County

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

Everything about Pima County Housing in Arizona
See 7 more cities in Pima County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Oro Valley, with the typical home value.

Neighboring counties

If Pima 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 Oro Valley.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Oro Valley

Short answers with the numbers for Oro Valley and all of Pima 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 Oro Valley?

The typical home value in Oro Valley is $475,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pima County it is $319,700.

How much does it cost to rent in Oro Valley?

Typical rent in Oro Valley is $1,669 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pima County is $1,405.

What is the FHA loan limit in Oro Valley?

Oro Valley uses the FHA limit for all of Pima 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 Oro Valley?

The typical homeowner in Oro Valley pays $3,686 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Pima County, the rate is 0.71%.

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

There are 4 HUD-approved counseling agencies with an office in Pima County. 4 say they serve in Spanish. 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).