Income needed to buy a home
Santa Cruz County, AZ
$91,110
a year in household income to buy the typical Santa Cruz County home with 10% down.
The monthly math
Typical home value$278,877
Down payment (10%)$27,888
Loan$250,989
Principal and interest (7.40%)$1,738/mo
Property tax (0.62% a year)$144/mo
Homeowners insurance (estimate)$139/mo
Mortgage insurance$105/mo
Total monthly cost$2,126/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $55,217 a year, 61% of what it takes.
In Arizona
Santa Cruz County ranks #5 of 15 for the income a home takes, from least to most.
Easiest to afford in Arizona
| County | Typical home | Income needed |
|---|---|---|
| Greenlee County | $169,181 | $53,224 |
| La Paz County | $266,156 | $85,538 |
| Cochise County | $263,540 | $85,987 |
| Yuma County | $279,021 | $91,018 |
| Graham County | $307,244 | $98,699 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.