Pinal County, Arizona: What It Costs to Buy a Home
The median home in Pinal County is worth $312,100, property taxes on it run about $1,615 a year (0.52%), the FHA loan limit is $557,750, and there is no transfer tax; title insurance on it runs about $2,301. Each number below opens its own page with the source and a calculator.
| Median home value | $312,100 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,615 a year, 0.52% 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 | $1,438 owner's + $863 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $60 | Recording fees page → |
| Closing costs from these items | $2,361 | Closing costs 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 Pinal County?
The median owner-occupied home in Pinal County is valued at $312,100, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Pinal County?
The median Pinal County homeowner pays $1,615 a year in real estate taxes, about 0.52% of the median home value ($1,717 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Pinal 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 Pinal County?
On the $312,100 median home: no transfer tax in Arizona, title insurance $2,301 for both policies, recording fees about $60, about $2,361 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Pinal County?
HUD's FY 2026 median family income for Pinal 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
- Mohave County $253,200
- Navajo County $186,100
- Pima County $286,900
- Santa Cruz County $216,100
- Yavapai County $392,900
- Yuma County $195,700
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- 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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