In Somerton, a typical home is worth $232,600 and typical rent is $896 a month. Compared with all of Yuma County, typical household income is 18% higher and typical rent is 10% lower.
Typical home value from Zillow, September 2021 to September 2026: from $203,572 to $266,618.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Somerton 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
Nearby, in San Luis, the typical rent is $741: 17% less than in Somerton ($896).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Somerton rose 2%; in Arizona, it fell 1%.
3
The typical household income in Somerton is $74,015,18% more than in Yuma County as a whole ($62,876).
4
Somerton has the 8th lowest typical rent of the 89 cities in Arizona with more than 5,000 people ($896).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Somerton
What homes there are in Somerton, 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
Somerton
Yuma County
Arizona
United States
Kind of home: Somerton and its comparisons
Measure
Somerton
Yuma County
Arizona
United States
Detached house
81%
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
Unreliable estimate
29%
9%
6%
Boat, RV and other
Unreliable estimate
2%
0%
0%
The detached house rules in Somerton: 81% of homes, more than in Yuma County (55%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Somerton
Yuma County
Arizona
United States
Year built: Somerton and its comparisons
Measure
Somerton
Yuma County
Arizona
United States
Before 1960
Unreliable estimate
8%
8%
26%
1960–1979
15%
17%
22%
24%
1980–1999
21%
35%
34%
25%
2000–2009
36%
24%
22%
14%
2010 or later
20%
15%
14%
11%
The typical home in Somerton 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
Unreliable estimate
Under $100KUnreliable
$100K–$200K35%
$200K–$300K40%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Somerton and its comparisons
Measure
Somerton
Under $100K
Unreliable estimate
$100K–$200K
35%
$200K–$300K
40%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Somerton and its comparisons
Measure
Somerton
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,229 a month
Yuma County: $1,334 a month
Without a mortgage
$439 a month
Yuma County: $431 a month
Owners with a mortgage
64%
Yuma County: 54%
In Somerton, 64% of owners have a mortgage, and their typical cost is $1,229 a month, against $1,334 in Yuma County. Without one it drops to $439.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Somerton+83%
Yuma County+70%
Arizona+75%
United States+53%
Typical rent
SomertonNo clear change
Yuma County+18%
Arizona+47%
United States+33%
Typical household income
Somerton+93%
Yuma County+39%
Arizona+36%
United States+29%
Change since 2015–2019: Somerton and its comparisons
Measure
Somerton
Yuma County
Arizona
United States
Typical home value
+83%
+70%
+75%
+53%
Typical rent
No clear change
+18%
+47%
+33%
Typical household income
+93%
+39%
+36%
+29%
The typical home value in Somerton rose 83% since 2015–2019, more than in Yuma County (70%).
Since 2015–2019, the typical rent in Somerton did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Somerton and its comparisons
Measure
Somerton
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
Unreliable estimate
10.8%
4.3%
3.4%
People per household
2.94
2.57
2.53
2.53
Drive alone
91%
78%
67%
69%
Carpool
Unreliable estimate
11%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
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 people live in each home here: 2.94 on average, against 2.57 in Yuma County.
To get to work, 91% of workers in Somerton drive alone; in Yuma County, 78%.
Do the math
What would you pay each month for a home in Somerton?
A typical home is tight for the typical income
We start with a typical home in Somerton, worth $232,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Somerton, which is $74,015 a year. For that payment to be 28% of income, a household would need to earn about $79,522 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 Somerton. 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 $8,141 (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
$1,856
at 7.18% · 30 years
Loan amount
$228,387
Total interest
$328,595
Paid off in
November 2056
Includes $3,928 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,727 a month
Tight
$1,727 to $2,220 a month
Your payment · 30%
Hard
more than $2,220 a month
Compared with the typical household income in Somerton ($74,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,547
Property tax
$109
Home insurance
$97
FHA mortgage insurance (MIP)
$103
You need at least $8,141 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 $1,856; principal and interest $1,547.
The city and its county
Somerton and Yuma County
Somerton 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).
Somerton
Map of Yuma County, Arizona, with Somerton marked. Around it, the neighboring counties.
Somerton
Yuma County
Other cities with a page
Somerton's own numbers
Typical home value
$232,600
Typical monthly rent
$896
Typical yearly household income
$74,015
Households that own their home
74%
Effective property tax rate
0.56%
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 Somerton is worth $232,600: 7% above the county and 41% below Arizona. With the typical household income in Somerton ($74,015 a year), a typical home costs 3.1 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.
Somerton3.1 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
Somerton 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
Somerton$232,600
Yuma$217,800
Arizona$394,500
United States$332,700
Typical monthly rent
Somerton$896
Yuma$993
Arizona$1,543
United States$1,413
Typical yearly household income
Somerton$74,015
Yuma$62,876
Arizona$79,964
United States$80,734
See the full table
Somerton next to Yuma County and Arizona
Measure
Somerton
Yuma County
Arizona
U.S.
Typical home value
$232,600 ▲7% above the county
$217,800
$394,500
$332,700
Typical monthly rent
$896 ▼10% below the county
$993
$1,543
$1,413
Typical yearly household income
$74,015 ▲18% above the county
$62,876
$79,964
$80,734
Households that own their home
74% ▲3 points above the county
71%
67%
65%
Typical yearly property tax
$1,304 ▼2% below the county
$1,333
$1,879
$3,119
Effective property tax rate
0.56% ▼0.05 points below the county
0.61%
0.48%
0.94%
Renters with high rent for their income
39% ▼9 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 Somerton
For a typical $232,600 home in Somerton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Somerton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,856a month
Least cash to close
Down payment
$8,141
Cash to close
$15,119
Rate
7.18%
Mortgage insurance
FHA MIP · $103
Conventional, 5% down$1,813a month
Down payment
$11,630
Cash to close
$18,608
Rate
7.18%
Mortgage insurance
PMI · $110
Conventional, 20% down, no PMI$1,466a month
Down payment
$46,520
Cash to close
$53,498
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,681a month
Down payment
$34,890
Cash to close
$41,868
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Somerton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,856
$8,141
$228,387
7.18%
FHA MIP · $103
$15,119
580
Conventional, 5% down
$1,813
$11,630
$220,970
7.18%
PMI · $110
$18,608
620*
Conventional, 20% down, no PMI
$1,466
$46,520
$186,080
7.18%
None
$53,498
620*
ITIN, 15% down (example)
$1,681
$34,890
$197,710
8.18%
None
$41,868
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 Somerton is $896 a month: 10% below the county. In Somerton, 39% 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 Somerton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Somerton is in ZIP code 85350.
For 2 bedrooms it is $1,260: $16 more than the fair market rent for Yuma County ($1,244).
Fair market rent by ZIP code and size in Somerton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85350
$950
$960
$1,260
$1,710
$2,100
ZIP code2 bd3 bd
85350 $1,260$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Somerton 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 5 buildings with rents for lower incomes in Somerton. These are the largest.
Moctezuma2050 W Main St, Somerton 85350159 low-income homes · Run by Yuma County Housing Department · Average payment: $373 a month · Average wait: 15 months · Homes at several sites(928) 304-7325
Somerton Apts500 N Somerton Ave, Somerton 8535080 homes, 79 low-income · 1 bd: 16 · 2 bd: 24 · 3 bd: 40 · In service since 2004
Valle Del Desierto245 S Bingham Ave, Somerton 8535045 homes, 44 low-income · For older adults(928) 722-7257
Del Pueblo Apartments300 W Orchid St, Somerton 8535040 low-income homes · For families(928) 782-3867
Amistad Apts of Somerton1260 Cesar Chavez Ave, Somerton 8535024 homes, 21 low-income · 2 bd: 12 · 3 bd: 12
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 Somerton or Yuma County. The ones below are statewide in Arizona: they work in Somerton 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 Somerton 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 Somerton 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 Somerton?
The typical home value in Somerton is $232,600, 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 Somerton?
Typical rent in Somerton is $896 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 Somerton?
Somerton 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 Somerton?
The typical homeowner in Somerton pays $1,304 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in Yuma County, the rate is 0.61%.
Where can I find free help to buy or rent in Somerton?
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.
