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City · 14,330 residents · Cochise County, Arizona

Sierra Vista Southeast , Arizona

In Sierra Vista Southeast, a typical home is worth $258,800 and typical rent is $1,180 a month. Compared with all of Cochise County, typical household income is 26% higher, typical rent is 19% higher, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $258,800

    19% above the county

    34% below Arizona

    • Sierra Vista Southeast
    • Cochise
    • Arizona

  • Typical rent

    $1,180a month

    19% above the county

    24% below Arizona

    • Sierra Vista Southeast
    • Cochise
    • Arizona

  • Typical household income

    $75,417a year

    26% above the county

    6% below Arizona

    • Sierra Vista Southeast
    • Cochise
    • Arizona

  • Households that own their home

    86%

    15 points above the county

    18 points above Arizona

    • Sierra Vista Southeast
    • Cochise
    • Arizona

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

Sierra Vista Southeast is in Cochise 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 Cochise County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sierra Vista Southeast apart

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

  1. Nearby, in Benson, the typical home value is $148,900: 42% less than in Sierra Vista Southeast ($258,800).

  2. Nearby, in Nogales, the typical rent is $737: 38% less than in Sierra Vista Southeast ($1,180).

  3. 86% of households in Sierra Vista Southeast own their home, against 71% in Cochise County.

  4. The typical household income in Sierra Vista Southeast is $75,417, 26% more than in Cochise County as a whole ($59,742).

  5. The typical rent in Sierra Vista Southeast is $1,180 a month, 19% more than in Cochise County as a whole ($995).

  6. The typical home in Sierra Vista Southeast is worth $258,800, 19% more than in Cochise County as a whole ($218,300).

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

The homes here

Housing in Sierra Vista Southeast

What homes there are in Sierra Vista Southeast, 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 Sierra Vista Southeast, 6 in 10 homes are single-family detached houses, about the same as in Cochise County.

Mobile homes are 35% of homes in Sierra Vista Southeast, more than in Cochise County (20%).

Year built

Here half of the homes date from 1994 or later; in Cochise County, from 1987 or later.

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 Cochise County is $541,287, and about 88% of owner-occupied homes in Sierra Vista Southeast are worth less than that.

Monthly rent with utilities

With a mortgage

$1,497 a month

Cochise County: $1,352 a month

Without a mortgage

$497 a month

Cochise County: $430 a month

Owners with a mortgage

52%

Cochise County: 49%

Owning costs more in Sierra Vista Southeast: with a mortgage, the typical cost is $1,497 a month; in Cochise County, $1,352. Without one, $497.

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

Homes in Sierra Vista Southeast gained value more slowly than in Cochise County: 37% since 2015–2019, against 49%.

Rents in Sierra Vista Southeast rose faster than in Cochise County: 48% since 2015–2019, against 27%.

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

MeasureSierra Vista SoutheastCochise CountyArizonaUnited States
Rental vacancy Unreliable estimate6.6%5.8%5.5%
Homeowner vacancy Unreliable estimate1.4%1.0%0.9%
More than one person per room Unreliable estimate2.8%4.3%3.4%
People per household 2.352.352.532.53
Drive alone 79%74%67%69%
Carpool 7%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 13%12%18%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Sierra Vista Southeast look like those in Cochise County: 2.35 people on average.

In Sierra Vista Southeast, 79% of workers drive alone to work; in Cochise County, 74%.

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 Sierra Vista Southeast?

A typical home is tight for the typical income

We start with a typical home in Sierra Vista Southeast, worth $258,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Sierra Vista Southeast, which is $75,417 a year. For that payment to be 28% of income, a household would need to earn about $89,588 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sierra Vista Southeast. 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 $9,058 (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

$2,090

at 7.18% · 30 years

Loan amount
$254,112
Total interest
$365,608
Paid off in
November 2056

Includes $4,370 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,760 a month

  • Tight

    $1,760 to $2,263 a month

    Your payment · 33%

  • Hard

    more than $2,263 a month

Compared with the typical household income in Sierra Vista Southeast ($75,417 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,090
Principal & interest$1,721
Property tax$147
Home insurance$108
FHA mortgage insurance (MIP)$114

You need at least $9,058 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

Sierra Vista Southeast and Cochise County

Sierra Vista Southeast is in Cochise 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).

Sierra Vista Southeast's own numbers

Typical home value
$258,800
Typical monthly rent
$1,180
Typical yearly household income
$75,417
Households that own their home
86%
Effective property tax rate
0.68%

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

Numbers for all of Cochise County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,153
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
9.5%

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 Cochise County.

Everything about Cochise County

Buying

Buying a home in Sierra Vista Southeast

A typical home in Sierra Vista Southeast is worth $258,800: 19% above the county and 34% below Arizona. With the typical household income in Sierra Vista Southeast ($75,417 a year), a typical home costs 3.4 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.

  • Sierra Vista Southeast 3.4 years
  • Cochise 3.7 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cochise County

According to FHFA’s house price index, home prices in Cochise County rose 95% in the 10 years through 2025.

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

Period County Arizona U.S.
Last year (2025) +3.1% +0.9% +2.9%
5 years (2020–2025) +55% +55% +47%
10 years (2015–2025) +95% +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

Sierra Vista Southeast next to Cochise 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
  • Sierra Vista Southeast $258,800
  • Cochise $218,300
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Sierra Vista Southeast $1,180
  • Cochise $995
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Sierra Vista Southeast $75,417
  • Cochise $59,742
  • Arizona $79,964
  • United States $80,734
See the full table
Sierra Vista Southeast next to Cochise County and Arizona
Measure Sierra Vista Southeast Cochise County Arizona U.S.
Typical home value $258,800 $218,300 $394,500 $332,700
Typical monthly rent $1,180 $995 $1,543 $1,413
Typical yearly household income $75,417 $59,742 $79,964 $80,734
Households that own their home 86% 71% 67% 65%
Typical yearly property tax $1,765 $1,310 $1,879 $3,119
Effective property tax rate 0.68% 0.6% 0.48% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cochise 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 Sierra Vista Southeast

For a typical $258,800 home in Sierra Vista Southeast, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sierra Vista Southeast's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,090a month

    Least cash to close
    Down payment
    $9,058
    Cash to close
    $16,822
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $114

  • Conventional, 5% down $2,043a month

    Down payment
    $12,940
    Cash to close
    $20,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,657a month

    Down payment
    $51,760
    Cash to close
    $59,524
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,896a month

    Down payment
    $38,820
    Cash to close
    $46,584
    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 Sierra Vista Southeast and for Cochise County.

Property tax

Effective rate in Sierra Vista Southeast

0.68%of the home’s value each year

$1,765 a year for the typical owner in Sierra Vista Southeast.

  • Sierra Vista Southeast 0.68%
  • Cochise 0.6%
  • 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 Cochise County

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

Homes in the high-risk zone
9.5%
5,493
Of those, with NFIP insurance
11%
County Arizona U.S.
Homes in the high-risk zone 9.5% 2.2% 3.5%
Of those, with NFIP insurance 11% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sierra Vista Southeast

Typical rent in Sierra Vista Southeast is $1,180 a month: 19% above the county.

HUD publishes a fair market rent for all of Cochise County, by unit size. To pay the 2-bedroom one ($1,153 a month) without spending more than 30% of your income, you would need to earn $22.17 an hour working full time.

HUD fair market rent for all of Cochise 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 $836 $16.08 $33,440
1 bedroom $1,000 $19.23 $40,000
2 bedrooms $1,153 $22.17 $46,120
3 bedrooms $1,597 $30.71 $63,880
4 bedrooms $1,927 $37.06 $77,080

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 Sierra Vista Southeast

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

For 2 bedrooms it runs from $1,410 in 85650 to $1,550 in 85615.

2 of the 2 are above the fair market rent for Cochise County ($1,153).

  • 85615 $1,550$2,150
  • 85650 $1,410$1,950

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sierra Vista Southeast 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 Sierra Vista Southeast

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 Cochise County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Sierra Vista Southeast

No down payment, repair or rent-help program on our list is for Sierra Vista Southeast or Cochise County. The ones below are statewide in Arizona: they work in Sierra Vista Southeast 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 Sierra Vista Southeast

The HUD-approved agencies closest to the center of Sierra Vista Southeast, 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 · 67 miles away · Spanish

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

  • Administration of Resources and Choices (ARC)

    1625 N Alvernon Way Ste 101, Tucson · 68 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 · 70 miles away · Spanish

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

All counseling agencies in Arizona

Help in Spanish near Sierra Vista Southeast

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 Sierra Vista Southeast

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

  • Housing Authority of Cochise County Section 8 vouchers (520) 432-8880

All housing agencies in Arizona Source: HUD

Cities

Other cities in Cochise County

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

Everything about Cochise County Housing in Arizona

Nearby cities

The cities closest to Sierra Vista Southeast, with the typical home value.

Neighboring counties

If Cochise 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 Sierra Vista Southeast.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Sierra Vista Southeast

Short answers with the numbers for Sierra Vista Southeast and all of Cochise 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 Sierra Vista Southeast?

The typical home value in Sierra Vista Southeast is $258,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cochise County it is $218,300.

How much does it cost to rent in Sierra Vista Southeast?

Typical rent in Sierra Vista Southeast is $1,180 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cochise County is $1,153.

What is the FHA loan limit in Sierra Vista Southeast?

Sierra Vista Southeast uses the FHA limit for all of Cochise 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 Sierra Vista Southeast?

The typical homeowner in Sierra Vista Southeast pays $1,765 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Cochise County, the rate is 0.6%.

Where can I find free help to buy or rent in Sierra Vista Southeast?

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