Nogales, AZ home prices
Typical home $273,901 · -0.4% in a year · income needed $75,000
The Nogales, AZ metro area ranks 384 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.4% in a year and +15.6% over five years. With 20% down at 7.11%, the typical home costs about $1,750 a month including 0.61% property tax (Santa Cruz County rate).
Mortgage on the typical Nogales home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,780 | $219,120 | $1,474 | $0 | $276 | $1,750 | $75,000 |
| 10% down | $27,390 | $246,511 | $1,658 | $103 | $276 | $2,037 | $87,300 |
| 5% down | $13,695 | $260,206 | $1,750 | $108 | $276 | $2,134 | $91,500 |
| 3.5% down (FHA) | $9,587 | $268,940 | $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.
Counties in the Nogales area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Santa Cruz County, AZ | $273,922 | -0.4% | 0.61% |
What can you afford in Arizona on your salary? · Arizona home prices · Salaries in Arizona
Frequently asked questions
How much is a house in Nogales?
The typical home in the Nogales, AZ metro area is worth $273,901 (Zillow, September 2026).
What salary do you need to buy a house in Nogales?
About $75,000 a year for the typical home with 20% down at 7.11%.