Santa Cruz County, Arizona home prices
Typical home $273,922 · -0.4% in a year · property tax 0.61%
The typical home in Santa Cruz County is worth $273,922, 34% less than the Arizona typical home ($416,733). Values changed -0.4% in the past year and +15.6% over five years. Homeowners here pay a median 0.61% of their home's value in property tax each year ($1,664 on the typical home), versus 0.44% statewide.
Mortgage on the typical Santa Cruz County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,784 | $219,137 | $1,474 | $0 | $276 | $1,750 | $75,000 |
| 10% down | $27,392 | $246,530 | $1,658 | $103 | $276 | $2,037 | $87,300 |
| 5% down | $13,696 | $260,226 | $1,751 | $108 | $276 | $2,135 | $91,500 |
| 3.5% down (FHA) | $9,587 | $268,960 | $1,809 | $121 | $276 | $2,206 | $94,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.61% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Arizona · part of the Nogales metro area.
Arizona counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yuma County | $276,759 | +0.4% | 0.61% |
| La Paz County | $261,246 | -1.1% | 0.64% |
| Cochise County | $260,551 | -0.4% | 0.6% |
| Graham County | $303,340 | +2.2% | 0.48% |
| Apache County | $319,753 | +1.1% | 0.9% |
| Pima County | $335,772 | -1.8% | 0.71% |
| Mohave County | $349,812 | +2.0% | 0.44% |
| Pinal County | $359,830 | -2.2% | 0.47% |
| Gila County | $385,173 | -0.2% | 0.51% |
| Greenlee County | $158,270 | -10.3% | 0.33% |
Frequently asked questions
What is the average home price in Santa Cruz County, AZ?
The typical home value in Santa Cruz County is $273,922 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Santa Cruz County?
About $75,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Santa Cruz County?
The median effective rate is 0.61% of home value a year (Census ACS 2024 5-year estimates).