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City · 7,960 residents · Coconino County, Arizona

Tuba City , Arizona

In Tuba City, a typical home is worth $65,800 and typical rent is $867 a month. Compared with all of Coconino County, the typical home value is 85% lower and typical rent is 41% lower.

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  • Typical home value

    $65,800

    85% below the county

    83% below Arizona

    • Tuba City
    • Coconino
    • Arizona

  • Typical rent

    $867a month

    41% below the county

    44% below Arizona

    • Tuba City
    • Coconino
    • Arizona

  • Typical household income

    $61,338a year

    16% below the county

    23% below Arizona

    • Tuba City
    • Coconino
    • Arizona

  • Households that own their home

    59%

    1 points below the county

    8 points below Arizona

    • Tuba City
    • Coconino
    • Arizona

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

Tuba City is in Coconino County. The FHA loan limit ($609,500 for a one-unit home), the fair market rents and the help on this page are those of all of Coconino County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Tuba City apart

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

  1. Tuba City has the lowest typical home value of the 93 cities in Arizona with more than 5,000 people: $65,800.

  2. Tuba City has the smallest share of rent-burdened renters of the 76 cities in Arizona with more than 5,000 people: 16%.

  3. 39% of households in Tuba City have no internet at home (11% in Coconino County).

  4. The typical rent in Tuba City is $867 a month, 41% less than in Coconino County as a whole ($1,473).

  5. The typical household income in Tuba City is $61,338, 16% less than in Coconino County as a whole ($72,966).

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

The homes here

Housing in Tuba City

What homes there are in Tuba City, 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

The detached house is still the most common home in Tuba City, but it weighs less than in Coconino County: 50% against 59%.

There are more mobile homes here than in Coconino County: 30% of homes, against 13%.

Year built

The typical home in Tuba City was built in 1985, 6 years before the typical one in Coconino County.

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
Monthly rent with utilities

With a mortgage

$925 a month

Coconino County: $1,936 a month

Without a mortgage

$340 a month

Coconino County: $457 a month

The typical cost for an owner with a mortgage in Tuba City is $925 a month, less than in Coconino County ($1,936); without one, $340.

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

The typical home value in Tuba City stayed about the same since 2015–2019: the Census sees no clear change.

Rents in Tuba City rose faster than in Coconino County: 37% since 2015–2019, against 25%.

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

MeasureTuba CityCoconino CountyArizonaUnited States
Rental vacancy Unreliable estimate5.6%5.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 15.2%7.0%4.3%3.4%
People per household 3.402.382.532.53
Drive alone 71%65%67%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike 10%9%2%3%
Work from home 8%13%18%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Tuba City: 15.2% have more than one person per room; in Coconino County, 7.0%.

Households in Tuba City are bigger: 3.40 people on average; in Coconino County, 2.38.

To get to work, 71% of workers in Tuba City drive alone; in Coconino 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 Tuba City?

A typical home is within reach of the typical income

We start with a typical home in Tuba City, worth $65,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 10% of the typical household income in Tuba City, which is $61,338 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Tuba City. 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 $2,303 (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

$519

at 7.18% · 30 years

Loan amount
$64,608
Total interest
$92,956
Paid off in
November 2056

Includes $1,111 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,431 a month

    Your payment · 10%

  • Tight

    $1,431 to $1,840 a month

  • Hard

    more than $1,840 a month

Compared with the typical household income in Tuba City ($61,338 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$519
Principal & interest$438
Property tax$25
Home insurance$27
FHA mortgage insurance (MIP)$29

You need at least $2,303 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

Tuba City and Coconino County

Tuba City is in Coconino 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).

Tuba City's own numbers

Typical home value
$65,800
Typical monthly rent
$867
Typical yearly household income
$61,338
Households that own their home
59%

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

Numbers for all of Coconino County

FHA limit, one-unit home
$609,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,729
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
2%

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 Coconino County.

Everything about Coconino County

Buying

Buying a home in Tuba City

A typical home in Tuba City is worth $65,800: 85% below the county and 83% below Arizona. With the typical household income in Tuba City ($61,338 a year), a typical home costs 1.1 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.

  • Tuba City 1.1 years
  • Coconino 6.1 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coconino County

According to FHFA’s house price index, home prices in Coconino County rose 116% in the 10 years through 2025.

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

Period County Arizona U.S.
Last year (2025) +2.3% +0.9% +2.9%
5 years (2020–2025) +62% +55% +47%
10 years (2015–2025) +116% +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

Tuba City next to Coconino 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
  • Tuba City $65,800
  • Coconino $448,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Tuba City $867
  • Coconino $1,473
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Tuba City $61,338
  • Coconino $72,966
  • Arizona $79,964
  • United States $80,734
See the full table
Tuba City next to Coconino County and Arizona
Measure Tuba City Coconino County Arizona U.S.
Typical home value $65,800 $448,000 $394,500 $332,700
Typical monthly rent $867 $1,473 $1,543 $1,413
Typical yearly household income $61,338 $72,966 $79,964 $80,734
Households that own their home 59% 60% 67% 65%
Renters with high rent for their income 16% 52% 51% 51%

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

For a typical $65,800 home in Tuba City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Tuba City's rate.

  • FHA, 3.5% down $494a month

    Least cash to close
    Down payment
    $2,303
    Cash to close
    $4,277
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $29

  • Conventional, 5% down $482a month

    Down payment
    $3,290
    Cash to close
    $5,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $31

  • Conventional, 20% down, no PMI $384a month

    Down payment
    $13,160
    Cash to close
    $15,134
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $445a month

    Down payment
    $9,870
    Cash to close
    $11,844
    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 Tuba City and for Coconino County.

Property tax

Data not available for this place

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Coconino County

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

Homes in the high-risk zone
2%
1,073
Of those, with NFIP insurance
30%
County Arizona U.S.
Homes in the high-risk zone 2% 2.2% 3.5%
Of those, with NFIP insurance 30% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tuba City

Typical rent in Tuba City is $867 a month: 41% below the county. In Tuba City, 16% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coconino County, by unit size. To pay the 2-bedroom one ($1,729 a month) without spending more than 30% of your income, you would need to earn $33.25 an hour working full time.

HUD fair market rent for all of Coconino 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 $1,438 $27.65 $57,520
1 bedroom $1,555 $29.90 $62,200
2 bedrooms $1,729 $33.25 $69,160
3 bedrooms $2,109 $40.56 $84,360
4 bedrooms $2,312 $44.46 $92,480

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 Tuba City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tuba City is in ZIP code 86045.

For 2 bedrooms it is $1,730: $1 more than the fair market rent for Coconino County ($1,729).

  • 86045 $1,730$2,110

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tuba City 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 Tuba City

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 Coconino County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Tuba City

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

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

  • Housing Solutions of Northern Arizona, Inc

    1500 E Cedar Ave Ste 86, Flagstaff · 66 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (928) 214-7456

  • Western Arizona Council of Governments (WACOG) - Kingman Branch Office

    208 North 4th St., Kingman · 170 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (928) 217-7195

  • Take Charge America

    20430 N 19th Ave, Phoenix · 176 miles away · Spanish

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

Every agency in Coconino County All counseling agencies in Arizona

Help in Spanish near Tuba City

2 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 Tuba City

In HUD’s record, no housing authority with an office in Coconino County is named for Tuba City or Coconino County.

2 other authorities have an office in Coconino County: see the list Source: HUD

Cities

Other cities in Coconino County

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

Everything about Coconino County Housing in Arizona

Nearby cities

The cities closest to Tuba City, with the typical home value.

Neighboring counties

If Coconino 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 Tuba City.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Tuba City

Short answers with the numbers for Tuba City and all of Coconino 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 Tuba City?

The typical home value in Tuba City is $65,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coconino County it is $448,000.

How much does it cost to rent in Tuba City?

Typical rent in Tuba City is $867 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coconino County is $1,729.

What is the FHA loan limit in Tuba City?

Tuba City uses the FHA limit for all of Coconino County (2026): $609,500 for a one-unit home and $1,172,150 for a four-unit home.

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

There is 1 HUD-approved counseling agency with an office in Coconino County. 1 says it serves 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).