In Yuma, a typical home is worth $230,000 and typical rent is $1,114 a month. Compared with all of Yuma County, typical rent is 12% higher and the typical home value is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $234,278 to $293,382.
Typical rent
$1,425a month
▲ 3.6% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,204 to $1,425.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Yuma 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: 33% less than in Yuma ($1,114).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Yuma
What homes there are in Yuma, 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 other
Yuma
Yuma County
Arizona
United States
Kind of home: Yuma and its comparisons
Measure
Yuma
Yuma County
Arizona
United States
Detached house
56%
55%
64%
61%
Attached house
7%
4%
5%
6%
Building of 2 to 4
7%
5%
5%
8%
Apartments (5 or more)
10%
6%
16%
19%
Mobile home
19%
29%
9%
6%
Boat, RV and other
1%
2%
0%
0%
As in Yuma County, most homes in Yuma are detached houses (56%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Yuma
Yuma County
Arizona
United States
Year built: Yuma and its comparisons
Measure
Yuma
Yuma County
Arizona
United States
Before 1960
14%
8%
8%
26%
1960–1979
22%
17%
22%
24%
1980–1999
31%
35%
34%
25%
2000–2009
19%
24%
22%
14%
2010 or later
15%
15%
14%
11%
Homes in Yuma are older: the typical year built is 1990; in Yuma County, 1995.
In Yuma, 55% of homes have 3 bedrooms or more, about the same as in Yuma County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K17%
$100K–$200K23%
$200K–$300K29%
$300K–$500K26%
$500K–$750K4%
FHA limit: $541,287
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Yuma and its comparisons
Measure
Yuma
Under $100K
17%
$100K–$200K
23%
$200K–$300K
29%
$300K–$500K
26%
$500K–$750K
4%
$750K–$1M
1%
$1M or more
Unreliable estimate
About 95% of owner-occupied homes in Yuma are worth less than the FHA loan limit for Yuma County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99934%
$1,000–$1,49936%
HUD fair market rent, 2 bedrooms: $1,244
$1,500–$1,99919%
$2,000–$2,4993%
$2,500–$2,9991%
$3,000 or moreUnreliable
Monthly rent with utilities: Yuma and its comparisons
Measure
Yuma
Under $500
6%
$500–$999
34%
$1,000–$1,499
36%
$1,500–$1,999
19%
$2,000–$2,499
3%
$2,500–$2,999
1%
$3,000 or more
Unreliable estimate
About 58% of rented homes in Yuma cost less than HUD's 2-bedroom fair market rent for Yuma County ($1,244); the rest cost more.
With a mortgage
$1,489 a month
Yuma County: $1,334 a month
Without a mortgage
$465 a month
Yuma County: $431 a month
Owners with a mortgage
56%
Yuma County: 54%
The typical cost for an owner with a mortgage in Yuma is $1,489 a month, more than in Yuma County ($1,334); without one, $465.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Yuma+60%
Yuma County+70%
Arizona+75%
United States+53%
Typical rent
Yuma+25%
Yuma County+18%
Arizona+47%
United States+33%
Typical household income
Yuma+36%
Yuma County+39%
Arizona+36%
United States+29%
Change since 2015–2019: Yuma and its comparisons
Measure
Yuma
Yuma County
Arizona
United States
Typical home value
+60%
+70%
+75%
+53%
Typical rent
+25%
+18%
+47%
+33%
Typical household income
+36%
+39%
+36%
+29%
From 2015–2019 to 2020–2024, the typical home value in Yuma rose 60%; in Yuma County, it rose 70%.
Rents in Yuma rose faster than in Yuma County: 25% since 2015–2019, against 18%.
While home values in Yuma changed +60% and rent +25%, the typical household income rose 36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Yuma and its comparisons
Measure
Yuma
Yuma County
Arizona
United States
Rental vacancy
5.9%
5.2%
5.8%
5.5%
Homeowner vacancy
1.2%
1.2%
1.0%
0.9%
More than one person per room
8.1%
10.8%
4.3%
3.4%
People per household
2.49
2.57
2.53
2.53
Drive alone
75%
78%
67%
69%
Carpool
13%
11%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
8%
8%
18%
15%
Other means
1%
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Yuma County, the rental vacancy rate in Yuma is 5.9%.
Fewer households are short on space in Yuma: 8.1% have more than one person per room; in Yuma County, 10.8%.
A household in Yuma has 2.49 people on average, about the same as in Yuma County (2.57).
In Yuma, 75% of workers drive alone to work; in Yuma County, 78%.
Do the math
What would you pay each month for a home in Yuma?
A typical home is tight for the typical income
We start with a typical home in Yuma, worth $230,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Yuma, which is $65,482 a year. For that payment to be 28% of income, a household would need to earn about $79,290 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 Yuma. 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 $8,050 (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
$1,850
at 7.18% · 30 years
Loan amount
$225,834
Total interest
$324,922
Paid off in
November 2056
Includes $3,884 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,528 a month
Tight
$1,528 to $1,964 a month
Your payment · 34%
Hard
more than $1,964 a month
Compared with the typical household income in Yuma ($65,482 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,530
Property tax
$123
Home insurance
$96
FHA mortgage insurance (MIP)
$102
You need at least $8,050 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 $1,850; principal and interest $1,530.
The city and its county
Yuma and Yuma County
Yuma 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).
Yuma
Map of Yuma County, Arizona, with Yuma marked. Around it, the neighboring counties.
Yuma
Yuma County
Other cities with a page
Yuma's own numbers
Typical home value
$230,000
Typical monthly rent
$1,114
Typical yearly household income
$65,482
Households that own their home
67%
Effective property tax rate
0.64%
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 Yuma is worth $230,000: 6% above the county and 42% below Arizona. With the typical household income in Yuma ($65,482 a year), a typical home costs 3.5 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.
Yuma3.5 years
County3.5 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
Yuma 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
Yuma$230,000
County$217,800
Arizona$394,500
United States$332,700
Typical monthly rent
Yuma$1,114
County$993
Arizona$1,543
United States$1,413
Typical yearly household income
Yuma$65,482
County$62,876
Arizona$79,964
United States$80,734
See the full table
Yuma next to Yuma County and Arizona
Measure
Yuma
Yuma County
Arizona
U.S.
Typical home value
$230,000 ▲6% above the county
$217,800
$394,500
$332,700
Typical monthly rent
$1,114 ▲12% above the county
$993
$1,543
$1,413
Typical yearly household income
$65,482 ▲4% above the county
$62,876
$79,964
$80,734
Households that own their home
67% ▼4 points below the county
71%
67%
65%
Typical yearly property tax
$1,463 ▲10% above the county
$1,333
$1,879
$3,119
Effective property tax rate
0.64% ▲0.03 points above the county
0.61%
0.48%
0.94%
Renters with high rent for their income
52% ▲4 points above 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 Yuma
For a typical $230,000 home in Yuma, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yuma's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,850a month
Least cash to close
Down payment
$8,050
Cash to close
$14,950
Rate
7.18%
Mortgage insurance
FHA MIP · $102
Conventional, 5% down$1,808a month
Down payment
$11,500
Cash to close
$18,400
Rate
7.18%
Mortgage insurance
PMI · $109
Conventional, 20% down, no PMI$1,465a month
Down payment
$46,000
Cash to close
$52,900
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,678a month
Down payment
$34,500
Cash to close
$41,400
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Yuma
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,850
$8,050
$225,834
7.18%
FHA MIP · $102
$14,950
580
Conventional, 5% down
$1,808
$11,500
$218,500
7.18%
PMI · $109
$18,400
620*
Conventional, 20% down, no PMI
$1,465
$46,000
$184,000
7.18%
None
$52,900
620*
ITIN, 15% down (example)
$1,678
$34,500
$195,500
8.18%
None
$41,400
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 Yuma is $1,114 a month: 12% above the county. In Yuma, 52% 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 Yuma
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yuma is in ZIP code 85365.
For 2 bedrooms it is $1,540: $296 more than the fair market rent for Yuma County ($1,244).
Fair market rent by ZIP code and size in Yuma, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
85365
$1,170
$1,180
$1,540
$2,130
$2,570
ZIP code2 bd3 bd
85365 $1,540$2,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Yuma 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 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 Yuma or Yuma County. The ones below are statewide in Arizona: they work in Yuma 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 Yuma 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 Yuma 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 Yuma?
The typical home value in Yuma is $230,000, 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 Yuma?
Typical rent in Yuma is $1,114 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 Yuma?
Yuma 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 Yuma?
The typical homeowner in Yuma pays $1,463 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Yuma County, the rate is 0.61%.
Where can I find free help to buy or rent in Yuma?
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.
