Sierra Vista, AZ home prices
Typical home $260,537 · -0.4% in a year · income needed $71,300
The Sierra Vista, AZ metro area ranks 420 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.4% in a year and +14.0% over five years. With 20% down at 7.11%, the typical home costs about $1,663 a month including 0.6% property tax (Cochise County rate).
Mortgage on the typical Sierra Vista home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,107 | $208,430 | $1,402 | $0 | $261 | $1,663 | $71,300 |
| 10% down | $26,054 | $234,483 | $1,577 | $98 | $261 | $1,936 | $83,000 |
| 5% down | $13,027 | $247,510 | $1,665 | $103 | $261 | $2,029 | $86,900 |
| 3.5% down (FHA) | $9,119 | $255,818 | $1,721 | $115 | $261 | $2,097 | $89,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 Sierra Vista area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cochise County, AZ | $260,551 | -0.4% | 0.6% |
What can you afford in Arizona on your salary? · Arizona home prices · Salaries in Arizona
Frequently asked questions
How much is a house in Sierra Vista?
The typical home in the Sierra Vista, AZ metro area is worth $260,537 (Zillow, September 2026).
What salary do you need to buy a house in Sierra Vista?
About $71,300 a year for the typical home with 20% down at 7.11%.