Español

Este sitio también está en español. Leer en español

City · 154,948 residents · Maricopa County, Arizona

Surprise , Arizona

In Surprise, a typical home is worth $435,100 and typical rent is $2,033 a month. Compared with all of Maricopa County, typical rent is 19% higher, typical household income is 8% higher, and the share of households that own their home is 14 points higher.

WhatsApp

  • Typical home value

    $435,100

    4% below the county

    10% above Arizona

    • Surprise
    • Maricopa
    • Arizona

  • Typical rent

    $2,033a month

    19% above the county

    32% above Arizona

    • Surprise
    • Maricopa
    • Arizona

  • Typical household income

    $96,711a year

    8% above the county

    21% above Arizona

    • Surprise
    • Maricopa
    • Arizona

  • Households that own their home

    79%

    14 points above the county

    12 points above Arizona

    • Surprise
    • Maricopa
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$416,014
1.7% less than 12 months ago
Typical rent
$1,942 a month
1.1% more than 12 months ago

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

Surprise is in Maricopa County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Maricopa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Surprise apart

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

  1. Nearby, in Youngtown, the typical rent is $1,157: 43% less than in Surprise ($2,033).

  2. Nearby, in Sun City, the typical home value is $280,900: 35% less than in Surprise ($435,100).

  3. 79% of households in Surprise own their home, against 65% in Maricopa County.

  4. The typical rent in Surprise is $2,033 a month, 19% more than in Maricopa County as a whole ($1,708).

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

The homes here

Housing in Surprise

What homes there are in Surprise, 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 houses, standing on their own, make up 86% of homes here, against 64% in Maricopa County.

Year built

Here half of the homes date from 2005 or later; in Maricopa County, from 1993 or later.

Homes in Surprise are bigger: 69% have 3 bedrooms or more; in Maricopa County, 61%.

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

About 77% of owner-occupied homes in Surprise are worth less than the FHA loan limit for Maricopa County ($557,750).

Monthly rent with utilities

With a mortgage

$1,860 a month

Maricopa County: $1,931 a month

Without a mortgage

$532 a month

Maricopa County: $575 a month

Owners with a mortgage

69%

Maricopa County: 67%

The typical cost for an owner with a mortgage in Surprise is $1,860 a month, near the figure in Maricopa County ($1,931).

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 Surprise rose 82%; in Maricopa County, it rose 74%.

The typical rent in Surprise rose 51% since 2015–2019, about the same as in Maricopa County (52%).

Housing prices ran ahead of income in Surprise: typical income rose 40%, against +82% for home values and +51% for rent.

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

MeasureSurpriseMaricopa CountyArizonaUnited States
Rental vacancy 11.7%6.0%5.8%5.5%
Homeowner vacancy Unreliable estimate0.9%1.0%0.9%
More than one person per room 2.5%4.3%4.3%3.4%
People per household 2.712.592.532.53
Drive alone 69%65%67%69%
Carpool 9%10%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 1%2%2%3%
Work from home 20%21%18%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Surprise, the rental vacancy rate is 11.7%; in Maricopa County, 6.0%.

In Surprise, 2.5% of households live with more than one person per room, against 4.3% in Maricopa County.

Much as in Maricopa County, a household in Surprise has 2.71 people on average.

To get to work, 69% of workers in Surprise drive alone; in Maricopa County, 65%.

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 Surprise?

A typical home costs more than the typical income allows

We start with a typical home in Surprise, worth $435,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Surprise, which is $96,711 a year. For that payment to be 28% of income, a household would need to earn about $146,578 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Surprise. 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 $15,229 (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

$3,420

at 7.18% · 30 years

Loan amount
$427,219
Total interest
$614,668
Paid off in
November 2056

Includes $7,348 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,257 a month

  • Tight

    $2,257 to $2,901 a month

  • Hard

    more than $2,901 a month

    Your payment · 42%

Compared with the typical household income in Surprise ($96,711 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,420
Principal & interest$2,894
Property tax$152
Home insurance$181
FHA mortgage insurance (MIP)$192

You need at least $15,229 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

Surprise and Maricopa County

Surprise is in Maricopa 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).

Surprise's own numbers

Typical home value
$435,100
Typical monthly rent
$2,033
Typical yearly household income
$96,711
Households that own their home
79%
Effective property tax rate
0.42%

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

Numbers for all of Maricopa County

FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.4%

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 Maricopa County.

Everything about Maricopa County

Buying

Buying a home in Surprise

A typical home in Surprise is worth $435,100: 4% below the county and 10% above Arizona. With the typical household income in Surprise ($96,711 a year), a typical home costs 4.5 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.

  • Surprise 4.5 years
  • Maricopa 5.1 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Maricopa County

According to FHFA’s house price index, home prices in Maricopa County rose 125% in the 10 years through 2025.

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

Period County Arizona U.S.
Last year (2025) +0.7% +0.9% +2.9%
5 years (2020–2025) +56% +55% +47%
10 years (2015–2025) +125% +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

Surprise next to Maricopa 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
  • Surprise $435,100
  • Maricopa $452,800
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Surprise $2,033
  • Maricopa $1,708
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Surprise $96,711
  • Maricopa $89,300
  • Arizona $79,964
  • United States $80,734
See the full table
Surprise next to Maricopa County and Arizona
Measure Surprise Maricopa County Arizona U.S.
Typical home value $435,100 $452,800 $394,500 $332,700
Typical monthly rent $2,033 $1,708 $1,543 $1,413
Typical yearly household income $96,711 $89,300 $79,964 $80,734
Households that own their home 79% 65% 67% 65%
Typical yearly property tax $1,842 $1,983 $1,879 $3,119
Effective property tax rate 0.42% 0.44% 0.48% 0.94%
Renters with high rent for their income 56% 53% 51% 51%

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

For a typical $435,100 home in Surprise, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Surprise's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,420a month

    Least cash to close
    Down payment
    $15,229
    Cash to close
    $28,282
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $192

  • Conventional, 5% down $3,340a month

    Down payment
    $21,755
    Cash to close
    $34,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,692a month

    Down payment
    $87,020
    Cash to close
    $100,073
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,094a month

    Down payment
    $65,265
    Cash to close
    $78,318
    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 Surprise and for Maricopa County.

Property tax

Effective rate in Surprise

0.42%of the home’s value each year

$1,842 a year for the typical owner in Surprise.

  • Surprise 0.42%
  • Maricopa 0.44%
  • 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 Maricopa County

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

Homes in the high-risk zone
1.4%
20,901
Of those, with NFIP insurance
29%
County Arizona U.S.
Homes in the high-risk zone 1.4% 2.2% 3.5%
Of those, with NFIP insurance 29% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Surprise

Typical rent in Surprise is $2,033 a month: 19% above the county. In Surprise, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Maricopa County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.

HUD fair market rent for all of Maricopa 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 $1,390 $26.73 $55,600
1 bedroom $1,493 $28.71 $59,720
2 bedrooms $1,734 $33.35 $69,360
3 bedrooms $2,287 $43.98 $91,480
4 bedrooms $2,537 $48.79 $101,480

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 Surprise

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Surprise has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,570 in 85378 to $2,410 in 85387.

4 of the 5 are above the fair market rent for Maricopa County ($1,734).

  • 85374 $2,000$2,640
  • 85378 $1,570$2,070
  • 85379 $2,160$2,850
  • 85387 $2,410$3,180
  • 85388 $2,260$2,980

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Surprise 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 Surprise

HUD lists 5 buildings with rents for lower incomes in Surprise. These are the largest.

  • Heritage at Surprise 15832 N Hollyhock St, Surprise 85378 100 low-income homes · 1 bd: 30 · 2 bd: 1 · 3 bd: 58 · 4 bd: 11 · In service since 2019 · For families, people experiencing homelessness
  • Orchard Estates 15380 W Young St, Surprise 85374 96 homes, 86 low-income · 2 bd: 48 · 3 bd: 48 · In service since 2004
  • Quilceda Villa Apts 12350 W Bola Dr, Surprise 85378 72 low-income homes · 1 bd: 24 · 2 bd: 48 · In service since 2003
  • Bell Mirage Estates 16629 N Greasewood St, Surprise 85378 60 homes, 56 low-income · 2 bd: 24 · 3 bd: 36 · In service since 2009
  • Heritage Senior Apartments 15627 N Nash St, Surprise 85378 For older adults

See all 309 buildings in Maricopa County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Surprise

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 12 HUD-approved agencies with an office in Maricopa County; 11 say they serve in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Surprise

2 programs are for Surprise or Maricopa County, by their own records: they come first, each with what its official page says about being open. The ones below are statewide in Arizona: they work in Surprise the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home in Five Advantage

    For Maricopa County

    Help from the Phoenix and Maricopa County development authorities for the down payment and closing costs in Maricopa County: up to 6% as a second loan, forgivable or with payments depending on the option; no first-time buyer requirement. Offered by Maricopa County Industrial Development Authority and The Industrial Development Authority of the City of Phoenix.

    ForgivableRepayable

    See the program Official page

  • Rental Assistance (Maricopa County Human Services)

    For Maricopa County

    Maricopa County help with the deposit or the month's rent for people who live outside Glendale, Mesa and Phoenix and went through a crisis. Offered by Maricopa County Human Services Department, Senior Services and Community Resilience Division.

    Rental

    See the program Official page

  • 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 Surprise

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

  • Credit.org - Goodyear, AZ Branch

    15150 W Park Pl, Goodyear · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

  • Take Charge America

    20430 N 19th Ave, Phoenix · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (866) 987-2008

  • Take Charge America- El Centro

    20430 N 19th Ave, Phoenix · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 987-2008

Every agency in Maricopa County All counseling agencies in Arizona

Help in Spanish near Surprise

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 Surprise

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

  • Housing Authority of Maricopa County Section 8 vouchers (602) 744-4500

8 other authorities have an office in Maricopa County: see the list Source: HUD

Cities

Other cities in Maricopa County

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

Everything about Maricopa County Housing in Arizona
See 15 more cities in Maricopa County, with prices and rents

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

Nearby cities

The cities closest to Surprise, with the typical home value.

Neighboring counties

If Maricopa 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 Surprise.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Surprise

Short answers with the numbers for Surprise and all of Maricopa 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 Surprise?

The typical home value in Surprise is $435,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Maricopa County it is $452,800.

How much does it cost to rent in Surprise?

Typical rent in Surprise is $2,033 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Maricopa County is $1,734.

What is the FHA loan limit in Surprise?

Surprise uses the FHA limit for all of Maricopa County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.

How much property tax do owners pay in Surprise?

The typical homeowner in Surprise pays $1,842 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Maricopa County, the rate is 0.44%.

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

There are 12 HUD-approved counseling agencies with an office in Maricopa County. 11 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).