Median household income: $81,041; value-to-income ratio 3.84. Casas Adobes ranks 39 by home value and 17 by population among 68 places in our AZ dataset.
What does an FHA loan cost on a typical Casas Adobes home?
| Item | Casas Adobes |
|---|---|
| Median home value (Census ACS) | $311,100 |
| Arizona median home value | $358,900 |
| Down payment (3.5%) | $10,889 |
| Loan incl. 1.75% upfront MIP | $305,465 |
| Estimated monthly payment (PITI + MI) | $2,441 |
| Income needed (28% / 36%) | $105,000 / $82,000 |
| Pima County 2026 FHA limit (1 unit) | $541,287 |
| Max purchase price at the limit | $560,000 |
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Payment includes Arizona's 0.52% effective property tax rate (Census ACS), $1,194/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.
What is the 2026 FHA loan limit in Casas Adobes?
Casas Adobes is in Pima County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).
The Casas Adobes median home value of $311,100 is 13% below the Arizona median, and within what the county limit supports.
Which down payment assistance programs can Casas Adobes buyers use?
- City of Tucson-Pima County HOME Consortium Down Payment Assistance (DPA) Program — $50,000 or 20% of the contract sales price, whichever amount is less; deferred loan; county-level. City of Tucson Housing and Community Development (lead, HOME Consortium with Pima County); apply via Administration of Resources and Choices, Chicanos Por La Causa, or Pima County Community Land Trust · Verified October 25, 2026
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FHA loan FAQs for Casas Adobes
Sources
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- HUD Single Family Housing Policy Handbook 4000.1
- NAIC — Homeowners Insurance Report, Data for 2023 (HO-3 average premium)
- Freddie Mac — Primary Mortgage Market Survey
- City of Tucson Housing and Community Development (lead, HOME Consortium with Pima County); apply via Administration of Resources and Choices, Chicanos Por La Causa, or Pima County Community Land Trust — City of Tucson-Pima County HOME Consortium Down Payment Assistance (DPA) Program
Data last updated October 23, 2026.
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