Buying a Home in Arizona (2026): First-Time Buyer Programs, Loan Limits & Lenders

Home prices in Arizona sit near the middle of the national range, so the loan program you choose — and whether you add down payment assistance — can swing your upfront cash by thousands. Because Arizona has a smaller population, local lenders and the state housing agency play an outsized role — it pays to compare a few loan officers. A household earning around $108,000 a year could comfortably afford a typical Arizona home under the 31% housing guideline.

What does a home cost in Arizona?

Item	Arizona estimate
Typical home value	$358,900
3% down (conventional)	$10,767
3.5% down (FHA)	$12,562
20% down	$71,780
Est. monthly payment (FHA, 3.5% down)	$2,794
Household income to afford (31%)	$108,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

What first-time home buyer programs does Arizona offer?

Arizona Industrial Development Authority (HOME+PLUS) is Arizona's housing finance agency. Its programs are offered through approved lenders and usually require homebuyer education plus income and purchase-price limits.

HOME+PLUS: A 30-year fixed loan paired with down payment and closing cost assistance (typically a percentage of the loan amount) for buyers under income limits.
Local city programs: Phoenix, Tucson and several counties run their own down payment assistance for qualifying first-time buyers.

Check current terms at Arizona Industrial Development Authority (HOME+PLUS). Many Arizona cities and counties also run their own down payment assistance.

What are the Arizona loan limits for 2026?

Arizona has 15 counties; 0 are high-cost areas. Here are the official 2026 one-unit limits for its most populous counties (FHFA and HUD):

County	Conforming	FHA
Maricopa County	$832,750	$557,750
Pima County	$832,750	$541,287
Pinal County	$832,750	$557,750
Yavapai County	$832,750	$541,287
Mohave County	$832,750	$541,287
Yuma County	$832,750	$541,287
Coconino County	$832,750	$609,500
Cochise County	$832,750	$541,287
Navajo County	$832,750	$541,287
Apache County	$832,750	$541,287
Gila County	$832,750	$541,287
Santa Cruz County	$832,750	$541,287

See all Arizona county loan limits → VA loans have no limit for borrowers with full entitlement.

How much house can I afford in Arizona?

Use Arizona's own property tax rate and insurance average: $60k, $80k, $100k, $150k salaries, or see FHA requirements in Arizona.

How do property taxes affect buying in Arizona?

Homeowners in Arizona pay a median of $1,858 a year in property taxes — an effective rate of about 0.52% of the median home value, below the national average, which helps keep monthly payments down (Census ACS). Actual rates vary by county and municipality.

Which loan types are popular in Arizona?

Conventional Loan — Not government-backed; as little as 3% down for first-time buyers, PMI removable at 20% equity.
FHA Loan — Government-insured; 3.5% down with a 580 credit score and flexible debt-to-income rules.
VA Loan — For eligible veterans, service members and surviving spouses: 0% down and no monthly mortgage insurance.
USDA Loan — 0% down for moderate-income buyers in eligible rural and suburban areas.
Jumbo Loan — For loan amounts above the conforming limit; usually 10–20% down and 700+ credit.
First-Time Home Buyer Loans — Low-down-payment loans plus state assistance programs designed for first-time buyers.

Buying a home in Arizona cities

Maricopa County

Mohave County

Lake Havasu City — $411,500 Bullhead City — $196,900 Kingman — $242,700 Fort Mohave — $274,600 New Kingman-Butler — $100,500

Navajo County

Show Low — $275,000

Pima County

Tucson — $242,200 Casas Adobes — $311,100 Marana — $380,100 Catalina Foothills — $604,100 Oro Valley — $440,400 Sahuarita — $341,800 Drexel Heights — $233,300 Green Valley — $264,300 Flowing Wells — $51,800 Vail — $367,500 Tanque Verde — $573,000 Valencia West — $276,000 Tucson Estates — $190,200 Tucson Mountains — $457,300

Pinal County

San Tan Valley — $365,900 Maricopa — $338,600 Casa Grande — $258,200 Apache Junction — $196,700 Florence — $322,600 Eloy — $243,600 Coolidge — $203,100 Saddlebrooke — $471,700 Gold Canyon — $469,600

Santa Cruz County

Rio Rico — $212,600 Nogales — $172,800

Yavapai County

Prescott Valley — $376,300 Prescott — $528,500 Chino Valley — $352,100 Verde Village — $329,300 Cottonwood — $286,000 Camp Verde — $286,700

Yuma County

Yuma — $209,100 San Luis — $197,400 Fortuna Foothills — $175,500 Somerton — $206,100

Browse every city page →

Arizona home buying FAQs

On a typical Arizona home of about $358,900, a 3.5% FHA down payment is roughly $12,562 and a 3% conventional down payment about $10,767, plus closing costs of 2%–5% of the loan.

Yes. Arizona Industrial Development Authority (HOME+PLUS) offers programs including HOME+PLUS, Local city programs. Income, price and credit limits apply.

The 2026 baseline conforming limit for a one-unit home is $832,750 in most Arizona counties; designated high-cost counties can be higher.

FHA limits are set by county. For 2026 they start at $541,287 for one-unit homes in lower-cost areas and rise in higher-cost counties.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.

How to buy a home in Arizona