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City · 45,155 residents · Cochise County, Arizona

Sierra Vista , Arizona

In Sierra Vista, a typical home is worth $254,200 and typical rent is $1,150 a month. Compared with all of Cochise County, typical household income is 18% higher, the typical home value is 16% higher, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $254,200

    16% above the county

    36% below Arizona

    • Sierra Vista
    • Cochise
    • Arizona

  • Typical rent

    $1,150a month

    16% above the county

    25% below Arizona

    • Sierra Vista
    • Cochise
    • Arizona

  • Typical household income

    $70,291a year

    18% above the county

    12% below Arizona

    • Sierra Vista
    • Cochise
    • Arizona

  • Households that own their home

    62%

    9 points below the county

    5 points below Arizona

    • Sierra Vista
    • Cochise
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$300,271
about the same as 12 months ago
Typical rent
$1,287 a month
3% more than 12 months ago

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

Sierra Vista 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 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: 41% less than in Sierra Vista ($254,200).

  2. Nearby, in Nogales, the typical rent is $737: 36% less than in Sierra Vista ($1,150).

  3. The typical household income in Sierra Vista is $70,291, 18% more than in Cochise County as a whole ($59,742).

  4. The typical home in Sierra Vista is worth $254,200, 16% more than in Cochise County as a whole ($218,300).

  5. The typical rent in Sierra Vista is $1,150 a month, 16% more than in Cochise County as a whole ($995).

  6. 62% of households in Sierra Vista own their home, against 71% in Cochise County.

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

The homes here

Housing in Sierra Vista

What homes there are in Sierra Vista, 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

As in Cochise County, most homes in Sierra Vista are detached houses (67%).

Year built

By age, homes in Sierra Vista look like those in Cochise County: the typical year built is 1990.

In Sierra Vista, 69% of homes have 3 bedrooms or more, more than in Cochise County (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 Sierra Vista sit under the FHA limit for Cochise County ($541,287): about 94%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Cochise County is $1,153: about 48% of rents in Sierra Vista are below it.

With a mortgage

$1,459 a month

Cochise County: $1,352 a month

Without a mortgage

$460 a month

Cochise County: $430 a month

Owners with a mortgage

59%

Cochise County: 49%

In Sierra Vista, 59% of owners have a mortgage, and their typical cost is $1,459 a month, against $1,352 in Cochise County. Without one it drops to $460.

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, home values in Sierra Vista rose at about the same pace as in Cochise County: 47% against 49%.

Rents in Sierra Vista rose more slowly than in Cochise County: 23% since 2015–2019, against 27%.

The typical household income in Sierra Vista rose 18%: less than home values (+47%) and rent (+23%).

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 VistaCochise CountyArizonaUnited States
Rental vacancy 7.7%6.6%5.8%5.5%
Homeowner vacancy Unreliable estimate1.4%1.0%0.9%
More than one person per room 2.1%2.8%4.3%3.4%
People per household 2.292.352.532.53
Drive alone 73%74%67%69%
Carpool 11%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%2%3%
Work from home 12%12%18%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Sierra Vista is 7.7%, higher than in Cochise County (6.6%).

More than one person per room: that is how 2.1% of households in Sierra Vista live, near the figure in Cochise County (2.8%).

Much as in Cochise County, a household in Sierra Vista has 2.29 people on average.

In Sierra Vista, 73% 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?

A typical home is tight for the typical income

We start with a typical home in Sierra Vista, worth $254,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Sierra Vista, which is $70,291 a year. For that payment to be 28% of income, a household would need to earn about $86,997 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. 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 $8,897 (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

$2,030

at 7.18% · 30 years

Loan amount
$249,596
Total interest
$359,110
Paid off in
November 2056

Includes $4,293 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,640 a month

  • Tight

    $1,640 to $2,109 a month

    Your payment · 35%

  • Hard

    more than $2,109 a month

Compared with the typical household income in Sierra Vista ($70,291 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,030
Principal & interest$1,691
Property tax$121
Home insurance$106
FHA mortgage insurance (MIP)$112

You need at least $8,897 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 and Cochise County

Sierra Vista 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's own numbers

Typical home value
$254,200
Typical monthly rent
$1,150
Typical yearly household income
$70,291
Households that own their home
62%
Effective property tax rate
0.57%

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

A typical home in Sierra Vista is worth $254,200: 16% above the county and 36% below Arizona. With the typical household income in Sierra Vista ($70,291 a year), a typical home costs 3.6 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 3.6 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 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 $254,200
  • Cochise $218,300
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Sierra Vista $1,150
  • Cochise $995
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Sierra Vista $70,291
  • Cochise $59,742
  • Arizona $79,964
  • United States $80,734
See the full table
Sierra Vista next to Cochise County and Arizona
Measure Sierra Vista Cochise County Arizona U.S.
Typical home value $254,200 $218,300 $394,500 $332,700
Typical monthly rent $1,150 $995 $1,543 $1,413
Typical yearly household income $70,291 $59,742 $79,964 $80,734
Households that own their home 62% 71% 67% 65%
Typical yearly property tax $1,437 $1,310 $1,879 $3,119
Effective property tax rate 0.57% 0.6% 0.48% 0.94%
Renters with high rent for their income 47% 48% 51% 51%

“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

For a typical $254,200 home in Sierra Vista, 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's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,030a month

    Least cash to close
    Down payment
    $8,897
    Cash to close
    $16,523
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $1,983a month

    Down payment
    $12,710
    Cash to close
    $20,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $121

  • Conventional, 20% down, no PMI $1,604a month

    Down payment
    $50,840
    Cash to close
    $58,466
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,839a month

    Down payment
    $38,130
    Cash to close
    $45,756
    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 and for Cochise County.

Property tax

Effective rate in Sierra Vista

0.57%of the home’s value each year

$1,437 a year for the typical owner in Sierra Vista.

  • Sierra Vista 0.57%
  • 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

Typical rent in Sierra Vista is $1,150 a month: 16% above the county. In Sierra Vista, 47% of renter households pay 30% or more of their income in rent.

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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sierra Vista is in ZIP code 85613.

For 2 bedrooms it is $1,670: $517 more than the fair market rent for Cochise County ($1,153).

  • 85613 $1,670$2,310

A ZIP code counts for Sierra Vista 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 Sierra Vista

HUD lists 7 buildings with rents for lower incomes in Sierra Vista. These are the largest.

  • Bonita Vista Apartments 570 S Coronado Dr, Sierra Vista 85635 100 homes, 99 low-income · For older adults (520) 459-3167
  • Las Palomas 499 S Carmichael Ave, Sierra Vista 85635 88 low-income homes · 3 bd: 44 · 4 bd: 44 · In service since 1996
  • Sun Crest Apts 105 N Toscanini Ave, Sierra Vista 85635 80 homes, 79 low-income · 2 bd: 32 · 3 bd: 48
  • Crystal Creek Townhomes 4500 Campus Dr, Sierra Vista 85635 89 homes, 77 low-income · 2 bd: 34 · 3 bd: 55 · In service since 2005
  • San Pedro Apts 4600 Charleston Rd, Sierra Vista 85635 76 homes, 63 low-income · 2 bd: 38 · 3 bd: 38 · In service since 2002

See all 26 buildings in Cochise County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sierra Vista

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Sierra Vista

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

The HUD-approved agencies closest to the center of Sierra Vista, 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 · 58 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 · 58 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 · 60 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

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

HUD’s record names them for Sierra Vista 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, 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.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Sierra Vista

Short answers with the numbers for Sierra Vista 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?

The typical home value in Sierra Vista is $254,200, 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?

Typical rent in Sierra Vista is $1,150 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?

Sierra Vista 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?

The typical homeowner in Sierra Vista pays $1,437 a year, according to the U.S. Census Bureau. That is 0.57% 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?

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).