In Three Points, a typical home is worth $187,700 and typical rent is $993 a month. Compared with all of Pima County, the typical home value is 41% lower, typical household income is 19% lower, and the share of households that own their home is 24 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $243,190 to $281,099.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Three Points is in Pima 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 Pima County. See the county
What this place has that others do not, from public data, most unusual first.
1
89% of households in Three Points own their home, against 65% in Pima County.
2
The typical home in Three Points is worth $187,700,41% less than in Pima County as a whole ($319,700).
3
The typical household income in Three Points is $56,898,19% less than in Pima County as a whole ($70,315).
4
The typical rent in Three Points is $993 a month, 18% less than in Pima County as a whole ($1,212).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Three Points
What homes there are in Three Points, 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
Three Points
Pima County
Arizona
United States
Kind of home: Three Points and its comparisons
Measure
Three Points
Pima County
Arizona
United States
Detached house
Unreliable estimate
60%
64%
61%
Attached house
Unreliable estimate
7%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
18%
16%
19%
Mobile home
76%
10%
9%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes here are varied: mobile homes are 76% of them, more than in Pima County (10%), and no kind reaches half.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Three Points
Pima County
Arizona
United States
Year built: Three Points and its comparisons
Measure
Three Points
Pima County
Arizona
United States
Before 1960
Unreliable estimate
13%
8%
26%
1960–1979
27%
27%
22%
24%
1980–1999
48%
33%
34%
25%
2000–2009
17%
18%
22%
14%
2010 or later
Unreliable estimate
10%
14%
11%
In Three Points, half of the homes were built before 1988; in Pima County, before 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K24%
$100K–$200K30%
$200K–$300KUnreliable
$300K–$500K17%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Three Points and its comparisons
Measure
Three Points
Under $100K
24%
$100K–$200K
30%
$200K–$300K
Unreliable estimate
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Three Points and its comparisons
Measure
Three Points
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,358 a month
Pima County: $1,656 a month
Without a mortgage
$392 a month
Pima County: $567 a month
Owners with a mortgage
48%
Pima County: 59%
The typical cost for an owner with a mortgage in Three Points is $1,358 a month, less than in Pima County ($1,656); without one, $392.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Three Points+102%
Pima County+74%
Arizona+75%
United States+53%
Typical rent
Three PointsUnreliable
Pima County+34%
Arizona+47%
United States+33%
Typical household income
Three PointsNo clear change
Pima County+32%
Arizona+36%
United States+29%
Change since 2015–2019: Three Points and its comparisons
Measure
Three Points
Pima County
Arizona
United States
Typical home value
+102%
+74%
+75%
+53%
Typical rent
Unreliable estimate
+34%
+47%
+33%
Typical household income
No clear change
+32%
+36%
+29%
Since 2015–2019, homes in Three Points gained value faster than in Pima County: 102% against 74%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Three Points and its comparisons
Measure
Three Points
Pima County
Arizona
United States
Rental vacancy
Unreliable estimate
5.5%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.3%
4.3%
3.4%
People per household
2.73
2.36
2.53
2.53
Drive alone
80%
69%
67%
69%
Carpool
Unreliable estimate
10%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
15%
18%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Three Points are bigger: 2.73 people on average; in Pima County, 2.36.
In Three Points, 80% of workers drive alone to work; in Pima County, 69%.
Do the math
What would you pay each month for a home in Three Points?
A typical home is tight for the typical income
We start with a typical home in Three Points, worth $187,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Three Points, which is $56,898 a year. For that payment to be 28% of income, a household would need to earn about $63,702 a year.
The calculator's FHA and conventional loan limits are those of all of Pima 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 Three Points. 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 $6,570 (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
$1,486
at 7.18% · 30 years
Loan amount
$184,300
Total interest
$265,164
Paid off in
November 2056
Includes $3,170 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,328 a month
Tight
$1,328 to $1,707 a month
Your payment · 31%
Hard
more than $1,707 a month
Compared with the typical household income in Three Points ($56,898 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,249
Property tax
$77
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,570 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 $1,486; principal and interest $1,249.
The city and its county
Three Points and Pima County
Three Points is in Pima 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).
Three Points
Map of Pima County, Arizona, with Three Points marked. Around it, the neighboring counties.
Three Points
Pima County
Other cities with a page
Three Points's own numbers
Typical home value
$187,700
Typical monthly rent
$993
Typical yearly household income
$56,898
Households that own their home
89%
Effective property tax rate
0.49%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pima County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,405
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.1%
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 Pima County.
A typical home in Three Points is worth $187,700: 41% below the county and 52% below Arizona. With the typical household income in Three Points ($56,898 a year), a typical home costs 3.3 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.
Three Points3.3 years
Pima4.5 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pima County
According to FHFA’s house price index, home prices in Pima County rose 111% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pima County.
Yearly change in FHFA’s price index in Pima County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +7.3% +7.3% 2017
2018: +6.2% +6.2% 2018
2019: +7.1% +7.1% 2019
2020: +5.5% +5.5% 2020
2021: +17.3% +17.3% 2021
2022: +20.0% +20.0% 2022
2023: +6.0% +6.0% 2023
2024: +3.6% +3.6% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Pima County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+1.1%
+0.9%
+2.9%
5 years (2020–2025)
+56%
+55%
+47%
10 years (2015–2025)
+111%
+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
Three Points next to Pima 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
Three Points$187,700
Pima$319,700
Arizona$394,500
United States$332,700
Typical monthly rent
Three Points$993
Pima$1,212
Arizona$1,543
United States$1,413
Typical yearly household income
Three Points$56,898
Pima$70,315
Arizona$79,964
United States$80,734
See the full table
Three Points next to Pima County and Arizona
Measure
Three Points
Pima County
Arizona
U.S.
Typical home value
$187,700 ▼41% below the county
$319,700
$394,500
$332,700
Typical monthly rent
$993 ▼18% below the county
$1,212
$1,543
$1,413
Typical yearly household income
$56,898 ▼19% below the county
$70,315
$79,964
$80,734
Households that own their home
89% ▲24 points above the county
65%
67%
65%
Typical yearly property tax
$925 ▼59% below the county
$2,272
$1,879
$3,119
Effective property tax rate
0.49% ▼0.22 points below the county
0.71%
0.48%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pima 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 Three Points
For a typical $187,700 home in Three Points, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Three Points's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,486a month
Least cash to close
Down payment
$6,570
Cash to close
$12,201
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,452a month
Down payment
$9,385
Cash to close
$15,016
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,172a month
Down payment
$37,540
Cash to close
$43,171
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,346a month
Down payment
$28,155
Cash to close
$33,786
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Three Points
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,486
$6,570
$184,300
7.18%
FHA MIP · $83
$12,201
580
Conventional, 5% down
$1,452
$9,385
$178,315
7.18%
PMI · $89
$15,016
620*
Conventional, 20% down, no PMI
$1,172
$37,540
$150,160
7.18%
None
$43,171
620*
ITIN, 15% down (example)
$1,346
$28,155
$159,545
8.18%
None
$33,786
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 Three Points is $993 a month: 18% below the county.
HUD publishes a fair market rent for all of Pima County, by unit size. To pay the 2-bedroom one ($1,405 a month) without spending more than 30% of your income, you would need to earn $27.02 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 Pima County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$978
$18.81
$39,120
1 bedroom
$1,092
$21.00
$43,680
2 bedrooms
$1,405
$27.02
$56,200
3 bedrooms
$1,946
$37.42
$77,840
4 bedrooms
$2,211
$42.52
$88,440
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 Three Points
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Three Points has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,190 in 85736 to $1,660 in 85735.
1 of the 2 is above the fair market rent for Pima County ($1,405).
Fair market rent by ZIP code and size in Three Points, fiscal year 2027.
85735
$1,160
$1,290
$1,660
$2,300
$2,610
85736
$830
$930
$1,190
$1,680
$1,960
ZIP code2 bd3 bd
85735 $1,660$2,300
85736 $1,190$1,680
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Three Points 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)
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 4 HUD-approved agencies with an office in Pima County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Three Points or Pima County. The ones below are statewide in Arizona: they work in Three Points 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).
The HUD-approved agencies closest to the center of Three Points, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Three Points or Pima 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 Three Points and all of Pima 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 Three Points?
The typical home value in Three Points is $187,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pima County it is $319,700.
How much does it cost to rent in Three Points?
Typical rent in Three Points is $993 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pima County is $1,405.
What is the FHA loan limit in Three Points?
Three Points uses the FHA limit for all of Pima 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 Three Points?
The typical homeowner in Three Points pays $925 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Pima County, the rate is 0.71%.
Where can I find free help to buy or rent in Three Points?
There are 4 HUD-approved counseling agencies with an office in Pima County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
