In San Luis, a typical home is worth $224,900 and typical rent is $741 a month. Compared with all of Yuma County, typical rent is 25% lower and typical household income is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $182,343 to $235,142.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
San Luis is in Yuma 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 Yuma County. See the county
What this place has that others do not, from public data, most unusual first.
1
San Luis has the 2nd lowest typical rent of the 89 cities in Arizona with more than 5,000 people ($741).
2
San Luis has the 7th smallest share of rent-burdened renters of the 76 cities in Arizona with more than 5,000 people (37%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in San Luis
What homes there are in San Luis, 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
San Luis
Yuma County
Arizona
United States
Kind of home: San Luis and its comparisons
Measure
San Luis
Yuma County
Arizona
United States
Detached house
74%
55%
64%
61%
Attached house
Unreliable estimate
4%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
16%
19%
Mobile home
19%
29%
9%
6%
Boat, RV and other
Unreliable estimate
2%
0%
0%
Detached houses, standing on their own, make up 74% of homes here, against 55% in Yuma County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
San Luis
Yuma County
Arizona
United States
Year built: San Luis and its comparisons
Measure
San Luis
Yuma County
Arizona
United States
Before 1960
Unreliable estimate
8%
8%
26%
1960–1979
7%
17%
22%
24%
1980–1999
32%
35%
34%
25%
2000–2009
39%
24%
22%
14%
2010 or later
20%
15%
14%
11%
The typical home in San Luis was built in 2002, 7 years after the typical one in Yuma 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 $100K10%
$100K–$200K29%
$200K–$300K45%
$300K–$500K15%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: San Luis and its comparisons
Measure
San Luis
Under $100K
10%
$100K–$200K
29%
$200K–$300K
45%
$300K–$500K
15%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 99% of owner-occupied homes in San Luis are worth less than $500,000, below the FHA loan limit for Yuma County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99958%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: San Luis and its comparisons
Measure
San Luis
Under $500
Unreliable estimate
$500–$999
58%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,093 a month
Yuma County: $1,334 a month
Without a mortgage
$442 a month
Yuma County: $431 a month
Owners with a mortgage
78%
Yuma County: 54%
The typical cost for an owner with a mortgage in San Luis is $1,093 a month, less than in Yuma County ($1,334); without one, $442.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
San Luis+92%
Yuma County+70%
Arizona+75%
United States+53%
Typical rent
San LuisNo clear change
Yuma County+18%
Arizona+47%
United States+33%
Typical household income
San Luis+59%
Yuma County+39%
Arizona+36%
United States+29%
Change since 2015–2019: San Luis and its comparisons
Measure
San Luis
Yuma County
Arizona
United States
Typical home value
+92%
+70%
+75%
+53%
Typical rent
No clear change
+18%
+47%
+33%
Typical household income
+59%
+39%
+36%
+29%
Since 2015–2019, homes in San Luis gained value faster than in Yuma County: 92% against 70%.
Since 2015–2019, the typical rent in San Luis did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: San Luis and its comparisons
Measure
San Luis
Yuma County
Arizona
United States
Rental vacancy
Unreliable estimate
5.2%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.0%
0.9%
More than one person per room
25.0%
10.8%
4.3%
3.4%
People per household
3.41
2.57
2.53
2.53
Drive alone
78%
78%
67%
69%
Carpool
13%
11%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
8%
18%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 25.0% of households in San Luis live, more than in Yuma County (10.8%).
More people live in each home here: 3.41 on average, against 2.57 in Yuma County.
To get to work, 78% of workers in San Luis drive alone; in Yuma County, 78%.
Do the math
What would you pay each month for a home in San Luis?
A typical home costs more than the typical income allows
We start with a typical home in San Luis, worth $224,900, 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 San Luis, which is $59,400 a year. For that payment to be 28% of income, a household would need to earn about $77,130 a year.
The calculator's FHA and conventional loan limits are those of all of Yuma 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 San Luis. 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 $7,872 (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
$1,800
at 7.18% · 30 years
Loan amount
$220,826
Total interest
$317,717
Paid off in
November 2056
Includes $3,798 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,386 a month
Tight
$1,386 to $1,782 a month
Hard
more than $1,782 a month
Your payment · 36%
Compared with the typical household income in San Luis ($59,400 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,496
Property tax
$111
Home insurance
$94
FHA mortgage insurance (MIP)
$99
You need at least $7,872 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 $1,800; principal and interest $1,496.
The city and its county
San Luis and Yuma County
San Luis is in Yuma 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).
San Luis
Map of Yuma County, Arizona, with San Luis marked. Around it, the neighboring counties.
San Luis
Yuma County
Other cities with a page
San Luis's own numbers
Typical home value
$224,900
Typical monthly rent
$741
Typical yearly household income
$59,400
Households that own their home
68%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Yuma County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,244
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
2.4%
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 Yuma County.
A typical home in San Luis is worth $224,900: 3% above the county and 43% below Arizona. With the typical household income in San Luis ($59,400 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.
San Luis3.8 years
Yuma3.5 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Yuma County
According to FHFA’s house price index, home prices in Yuma County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Yuma County.
Yearly change in FHFA’s price index in Yuma County, 2016 to 2025
2016: +3.9% +3.9% 2016
2017: +4.1% +4.1% 2017
2018: +3.9% +3.9% 2018
2019: +5.0% +5.0% 2019
2020: +6.2% +6.2% 2020
2021: +18.1% +18.1% 2021
2022: +20.7% +20.7% 2022
2023: +4.7% +4.7% 2023
2024: +4.3% +4.3% 2024
2025: +1.6% +1.6% 2025
Change in FHFA’s price index in Yuma County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+1.6%
+0.9%
+2.9%
5 years (2020–2025)
+58%
+55%
+47%
10 years (2015–2025)
+98%
+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
San Luis next to Yuma 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
San Luis$224,900
Yuma$217,800
Arizona$394,500
United States$332,700
Typical monthly rent
San Luis$741
Yuma$993
Arizona$1,543
United States$1,413
Typical yearly household income
San Luis$59,400
Yuma$62,876
Arizona$79,964
United States$80,734
See the full table
San Luis next to Yuma County and Arizona
Measure
San Luis
Yuma County
Arizona
U.S.
Typical home value
$224,900 ▲3% above the county
$217,800
$394,500
$332,700
Typical monthly rent
$741 ▼25% below the county
$993
$1,543
$1,413
Typical yearly household income
$59,400 ▼6% below the county
$62,876
$79,964
$80,734
Households that own their home
68% ▼3 points below the county
71%
67%
65%
Typical yearly property tax
$1,337
$1,333
$1,879
$3,119
Effective property tax rate
0.59% ▼0.02 points below the county
0.61%
0.48%
0.94%
Renters with high rent for their income
37% ▼11 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 Yuma 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 San Luis
For a typical $224,900 home in San Luis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Luis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,800a month
Least cash to close
Down payment
$7,872
Cash to close
$14,619
Rate
7.18%
Mortgage insurance
FHA MIP · $99
Conventional, 5% down$1,758a month
Down payment
$11,245
Cash to close
$17,992
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,423a month
Down payment
$44,980
Cash to close
$51,727
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,631a month
Down payment
$33,735
Cash to close
$40,482
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in San Luis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,800
$7,872
$220,826
7.18%
FHA MIP · $99
$14,619
580
Conventional, 5% down
$1,758
$11,245
$213,655
7.18%
PMI · $107
$17,992
620*
Conventional, 20% down, no PMI
$1,423
$44,980
$179,920
7.18%
None
$51,727
620*
ITIN, 15% down (example)
$1,631
$33,735
$191,165
8.18%
None
$40,482
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 San Luis is $741 a month: 25% below the county. In San Luis, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Yuma County, by unit size. To pay the 2-bedroom one ($1,244 a month) without spending more than 30% of your income, you would need to earn $23.92 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 Yuma County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$942
$18.12
$37,680
1 bedroom
$948
$18.23
$37,920
2 bedrooms
$1,244
$23.92
$49,760
3 bedrooms
$1,703
$32.75
$68,120
4 bedrooms
$2,087
$40.13
$83,480
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 San Luis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Luis has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,250 in 85336 to $1,260 in 85350.
3 of the 3 are above the fair market rent for Yuma County ($1,244).
2-bedroom fair market rent in each of the 3 ZIP codes of San Luis, beside the one for Yuma County. For 2 bedrooms it runs from $1,250 in 85336 to $1,260 in 85350. 3 of the 3 are above the fair market rent for Yuma County ($1,244).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,244
Lowest: $1,250 (85336)Highest: $1,260 (85350)
Fair market rent by ZIP code and size in San Luis, fiscal year 2027.
85336
$950
$950
$1,250
$1,710
$2,090
85349
$950
$950
$1,250
$1,710
$2,090
85350
$950
$960
$1,260
$1,710
$2,100
ZIP code2 bd3 bd
85336 $1,250$1,710
85349 $1,250$1,710
85350 $1,260$1,710
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for San Luis 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 4 buildings with rents for lower incomes in San Luis. These are the largest.
Bienestar Apts Phase I690 N 10th Ave, San Luis 8533692 homes, 88 low-income · 2 bd: 44 · 3 bd: 49 · In service since 2000
Las Casitas Apts541 N 6th St, San Luis 8533676 low-income homes · 1 bd: 1 · 2 bd: 42 · 3 bd: 33 · In service since 1998
Bienestar Apts Phase II690 N 10th Ave, San Luis 8533664 low-income homes · 1 bd: 8 · 2 bd: 25 · 3 bd: 32 · In service since 2005
Las Brisas Sunset Apartments1579 N Rio Seco St, San Luis 8533660 homes, 59 low-income · 1 bd: 15 · 2 bd: 46 · In service since 2018 · For older adults, people experiencing homelessness
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 is 1 HUD-approved agency with an office in Yuma County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for San Luis or Yuma County. The ones below are statewide in Arizona: they work in San Luis 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 San Luis or Yuma 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 San Luis and all of Yuma 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 San Luis?
The typical home value in San Luis is $224,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yuma County it is $217,800.
How much does it cost to rent in San Luis?
Typical rent in San Luis is $741 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yuma County is $1,244.
What is the FHA loan limit in San Luis?
San Luis uses the FHA limit for all of Yuma 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 San Luis?
The typical homeowner in San Luis pays $1,337 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Yuma County, the rate is 0.61%.
Where can I find free help to buy or rent in San Luis?
There is 1 HUD-approved counseling agency with an office in Yuma County. They can help you get ready to buy, with your credit, or with rent.
