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City · 14,728 residents · Pima County, Arizona

Valencia West , Arizona

In Valencia West, a typical home is worth $323,000 and typical rent is $1,850 a month. Compared with all of Pima County, typical rent is 53% higher, typical household income is 42% higher, and the share of households that own their home is 27 points higher.

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  • Typical home value

    $323,000

    About the same as the county

    18% below Arizona

    • Valencia West
    • Pima
    • Arizona

  • Typical rent

    $1,850a month

    53% above the county

    20% above Arizona

    • Valencia West
    • Pima
    • Arizona

  • Typical household income

    $99,884a year

    42% above the county

    25% above Arizona

    • Valencia West
    • Pima
    • Arizona

  • Households that own their home

    92%

    27 points above the county

    25 points above Arizona

    • Valencia West
    • Pima
    • Arizona

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

Valencia West 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Valencia West apart

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

  1. 92% of households in Valencia West own their home, against 65% in Pima County.

  2. The typical rent in Valencia West is $1,850 a month, 53% more than in Pima County as a whole ($1,212).

  3. Nearby, in Three Points, the typical rent is $993: 46% less than in Valencia West ($1,850).

  4. Nearby, in Three Points, the typical home value is $187,700: 42% less than in Valencia West ($323,000).

  5. The typical household income in Valencia West is $99,884, 42% more than in Pima County as a whole ($70,315).

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

The homes here

Housing in Valencia West

What homes there are in Valencia West, 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 88% of homes here, against 60% in Pima County.

Year built

The typical home in Valencia West was built in 2008, 22 years after the typical one in Pima County.

In Valencia West, 93% of homes have 3 bedrooms or more, more than in Pima County (57%).

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Valencia West sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,755 a month

Pima County: $1,656 a month

Without a mortgage

$524 a month

Pima County: $567 a month

Owners with a mortgage

75%

Pima County: 59%

In Valencia West, 75% of owners have a mortgage, and their typical cost is $1,755 a month, against $1,656 in Pima County. Without one it drops to $524.

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 boundaries of Valencia West changed since 2015–2019, so the Census does not compare its figures from then and now. In Pima County, the typical home value rose 74%.

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

MeasureValencia WestPima CountyArizonaUnited States
Rental vacancy Unreliable estimate5.5%5.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.0%0.9%
More than one person per room Unreliable estimate3.3%4.3%3.4%
People per household 3.092.362.532.53
Drive alone 78%69%67%69%
Carpool 8%10%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 12%15%18%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Valencia West are bigger: 3.09 people on average; in Pima County, 2.36.

The car rules in Valencia West: 78% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Valencia West?

A typical home is tight for the typical income

We start with a typical home in Valencia West, worth $323,000, 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 Valencia West, which is $99,884 a year. For that payment to be 28% of income, a household would need to earn about $111,928 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Valencia West. 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 $11,305 (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

$2,612

at 7.18% · 30 years

Loan amount
$317,150
Total interest
$456,304
Paid off in
November 2056

Includes $5,455 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,331 a month

  • Tight

    $2,331 to $2,997 a month

    Your payment · 31%

  • Hard

    more than $2,997 a month

Compared with the typical household income in Valencia West ($99,884 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,612
Principal & interest$2,148
Property tax$186
Home insurance$135
FHA mortgage insurance (MIP)$143

You need at least $11,305 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

Valencia West and Pima County

Valencia West 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).

Valencia West's own numbers

Typical home value
$323,000
Typical monthly rent
$1,850
Typical yearly household income
$99,884
Households that own their home
92%
Effective property tax rate
0.69%

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.

Everything about Pima County

Buying

Buying a home in Valencia West

A typical home in Valencia West is worth $323,000: about the same as the county and 18% below Arizona. With the typical household income in Valencia West ($99,884 a year), a typical home costs 3.2 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.

  • Valencia West 3.2 years
  • Pima 4.5 years
  • Arizona 4.9 years
  • United States 4.1 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.

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

Valencia West 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
  • Valencia West $323,000
  • Pima $319,700
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Valencia West $1,850
  • Pima $1,212
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Valencia West $99,884
  • Pima $70,315
  • Arizona $79,964
  • United States $80,734
See the full table
Valencia West next to Pima County and Arizona
Measure Valencia West Pima County Arizona U.S.
Typical home value $323,000 $319,700 $394,500 $332,700
Typical monthly rent $1,850 $1,212 $1,543 $1,413
Typical yearly household income $99,884 $70,315 $79,964 $80,734
Households that own their home 92% 65% 67% 65%
Typical yearly property tax $2,235 $2,272 $1,879 $3,119
Effective property tax rate 0.69% 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 Valencia West

For a typical $323,000 home in Valencia West, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Valencia West's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,612a month

    Least cash to close
    Down payment
    $11,305
    Cash to close
    $20,995
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,552a month

    Down payment
    $16,150
    Cash to close
    $25,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $153

  • Conventional, 20% down, no PMI $2,071a month

    Down payment
    $64,600
    Cash to close
    $74,290
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,369a month

    Down payment
    $48,450
    Cash to close
    $58,140
    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 Valencia West and for Pima County.

Property tax

Effective rate in Valencia West

0.69%of the home’s value each year

$2,235 a year for the typical owner in Valencia West.

  • Valencia West 0.69%
  • Pima 0.71%
  • 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 Pima County

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

Homes in the high-risk zone
2.1%
8,094
Of those, with NFIP insurance
21%
County Arizona U.S.
Homes in the high-risk zone 2.1% 2.2% 3.5%
Of those, with NFIP insurance 21% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Valencia West

Typical rent in Valencia West is $1,850 a month: 53% above 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.

HUD fair market rent for all of Pima 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 $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 Valencia West

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Valencia West is in ZIP code 85757.

For 2 bedrooms it is $1,590: $185 more than the fair market rent for Pima County ($1,405).

  • 85757 $1,590$2,200

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

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.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Valencia West

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

The HUD-approved agencies closest to the center of Valencia West, 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 · 9 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (520) 882-5383

  • Pima County Community Land Trust (PCCLT)

    17 N Linda Ave, Tucson · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (520) 603-0587

  • Chicanos Por La Causa-Tucson

    1525 N Oracle Road, Tucson · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (520) 882-0018

Every agency in Pima County All counseling agencies in Arizona

Help in Spanish near Valencia West

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 Valencia West

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

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

Cities

Other cities in Pima County

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

Everything about Pima County Housing in Arizona
See 7 more cities in Pima County, with prices and rents

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

Nearby cities

The cities closest to Valencia West, with the typical home value.

Neighboring counties

If Pima 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 Valencia West.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Valencia West

Short answers with the numbers for Valencia West 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 Valencia West?

The typical home value in Valencia West is $323,000, 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 Valencia West?

Typical rent in Valencia West is $1,850 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 Valencia West?

Valencia West 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 Valencia West?

The typical homeowner in Valencia West pays $2,235 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Pima County, the rate is 0.71%.

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

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.

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).