Maricopa County, Arizona: What It Costs to Buy a Home
The median home in Maricopa County is worth $482,800, property taxes on it run about $1,965 a year (0.47%), the FHA loan limit is $557,750, and there is no transfer tax; title insurance on it runs about $3,094. Each number below opens its own page with the source and a calculator.
| Median home value | $482,800 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,965 a year, 0.47% of value | Property tax page → |
| FHA loan limit (1 unit) | $557,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Arizona | Arizona transfer tax page → |
| Title insurance on the median home | $1,934 owner's + $1,160 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $60 | Recording fees page → |
| Closing costs from these items | $3,154 | Closing costs page → |
| Down payment help | 2 local programs found | First-time buyer page → |
| Area median income (HUD, family of 4) | $112,400; low-income limit $89,900 | Income limits page → |
Frequently asked questions
How much do homes cost in Maricopa County?
The median owner-occupied home in Maricopa County is valued at $482,800, per Maricopa County median value of owner-occupied housing units (Census ACS estimate, as republished by Census Reporter).
How much are property taxes in Maricopa County?
The median Maricopa County homeowner pays $1,965 a year in real estate taxes, about 0.47% of the median home value ($2,005 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Maricopa County?
$557,750 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Maricopa County?
On the $482,800 median home: no transfer tax in Arizona, title insurance $3,094 for both policies, recording fees about $60, about $3,154 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Maricopa County?
HUD's FY 2026 median family income for Maricopa County (Phoenix-Mesa-Chandler, AZ MSA) is $112,400. A family of four counts as low income below $89,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Arizona counties
- Graham County $202,700
- Greenlee County $136,300
- La Paz County $117,600
- Mohave County $253,200
- Navajo County $186,100
- Pima County $286,900
Sources
- Maricopa County median value of owner-occupied housing units (Census ACS estimate, as republished by Census Reporter)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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