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USDA loans in Arizona

Quick answer

USDA loans in Arizona offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Arizona

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical AZ home value$358,900
3.5% down on typical home$12,562
20% down on typical home$71,780
Avg. effective property tax0.52%/yr (~$155/mo)
Income for typical home (31% rule)$108,000

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

Which Arizona programs pair with USDA loans?

  • 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.

Details and current limits: Arizona Industrial Development Authority (HOME+PLUS).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Arizona cities

PhoenixTucsonMesaChandlerGilbertGlendaleScottsdalePeoriaTempeSurpriseSan Tan ValleyGoodyearBuckeyeYumaAvondaleFlagstaffCasas AdobesQueen CreekMaricopaLake Havasu CityCasa GrandeMaranaCatalina FoothillsPrescott ValleyOro ValleyPrescottSierra VistaBullhead CityApache JunctionSun CitySan LuisEl MirageSahuaritaKingmanFortuna FoothillsDrexel HeightsSun City WestFlorenceFountain HillsAnthemRio RicoGreen ValleyNogalesNew RiverFlowing WellsEloyPaysonDouglasVailFort MohaveTanque VerdeCoolidgeSomertonNew Kingman-ButlerSierra Vista SoutheastSun LakesValencia WestChino ValleyTucson EstatesVerde VillageParadise ValleySaddlebrookeCottonwoodGold CanyonCamp VerdeShow LowTucson MountainsSafford

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Arizona qualify; check a specific address on the USDA eligibility map.

Often yes. Arizona Industrial Development Authority (HOME+PLUS) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.