The typical owner-occupied home in Yuma County is worth about $217,800, 45% below the Arizona median of $394,500 and 35% below the national median of $332,700. Owners pay a median $1,333 a year in property taxes, about 0.61% of their home's value, higher than the Arizona rate of 0.48%. The median household earns $62,876 a year, so the median home costs 3.5 times the median income (4.9 times for Arizona). 71% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Yuma County at a glance
| Yuma County | Arizona | U.S. | |
|---|---|---|---|
| Median home value | $217,800 | $394,500 | $332,700 |
| Median property tax paid per year | $1,333 | $1,879 | $3,119 |
| Property tax as a share of value | 0.61% | 0.48% | 0.94% |
| Median household income | $62,876 | $79,964 | $80,734 |
| Homes lived in by their owners | 71% | 67% | 65% |
| Owner homes with a mortgage | 54% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,334 | $1,803 | $1,963 |
| Those costs as a share of the owners' income | 20.8% | 20.5% | 21.0% |
| Median rent | $993 | $1,543 | $1,413 |
| Rent as a share of renters' income | 28.5% | 30.8% | 30.6% |
| Median year homes were built | 1995 | 1992 | 1980 |
| Vacant homes | 16.7% | 10.5% | 10.1% |
| Population | 211,741 | 7,378,838 | 334,922,499 |
What a typical home costs per month in Yuma County
At this week's average 30-year rate of 7.11%, buying the median Yuma County home of $217,800 with 20% down costs about $1,374 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,736, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $58,868 for the 20%-down payment. That payment is 26% of the median Yuma County household income of $62,876; at that income and 20% down, the 28% guideline points to a home of about $233,000.
The median rent here is $993 a month, so owning the median home costs about $381 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,560 |
|---|---|
| Loan amount | $174,240 |
| Principal and interest | $1,172 |
| Property taxes (0.61% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| PMI | $0 |
| Total per month | $1,374 |
Change the numbers in the calculator
| Down payment | $7,623 |
|---|---|
| Loan amount | $213,855 |
| Principal and interest | $1,439 |
| Property taxes (0.61% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| FHA mortgage insurance | $96 |
| Total per month | $1,736 |
Change the numbers in the calculator
Questions about home buying in Yuma County
What is the median home value in Yuma County?
About $217,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Yuma County?
Homeowners pay a median $1,333 a year, which is about 0.61% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Yuma County?
For the median home with 20% down at 7.11%, the payment is about $1,374 a month. Keeping that under 28% of gross income takes about $58,868 a year.
More about Yuma County
- Mortgage Refinance in Yuma County
- Debt Relief in Yuma County
- Home Equity Loans in Yuma County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data