Yuma, AZ home prices
Typical home $276,761 · +0.4% in a year · income needed $75,800
The Yuma, AZ metro area ranks 375 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.4% in a year and +26.3% over five years. With 20% down at 7.11%, the typical home costs about $1,769 a month including 0.61% property tax (Yuma County rate).
Mortgage on the typical Yuma home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,352 | $221,409 | $1,489 | $0 | $280 | $1,769 | $75,800 |
| 10% down | $27,676 | $249,085 | $1,676 | $104 | $280 | $2,059 | $88,200 |
| 5% down | $13,838 | $262,923 | $1,769 | $110 | $280 | $2,158 | $92,500 |
| 3.5% down (FHA) | $9,687 | $271,748 | $1,828 | $122 | $280 | $2,230 | $95,600 |
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 Yuma area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yuma County, AZ | $276,759 | +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 Yuma?
The typical home in the Yuma, AZ metro area is worth $276,761 (Zillow, September 2026).
What salary do you need to buy a house in Yuma?
About $75,800 a year for the typical home with 20% down at 7.11%.