Homes for sale in Tucson, AZ with monthly payment
Set your monthly budget and see Tucson homes with an estimated payment for each listing.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Pam Messina at Rebel Rate Mortgage. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your home search, so the homes you see match what you qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
How much do homes cost in Tucson, AZ?
Quick answer: In Tucson, the median value of owner-occupied homes is $266,200, homeowners with a mortgage pay median monthly owner costs of $1,482, and median gross rent is $1,145, according to the U.S. Census Bureau (ACS 2020–2024). These are area-wide medians, not listing prices, so compare current homes by monthly budget.
Source: U.S. Census Bureau, QuickFacts: Tucson city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
About Tucson
Arizona's second-largest city, ringed by the Santa Catalina, Rincon, Santa Rita, and Tucson mountains. It's home to the University of Arizona, Tucson International Airport, and both districts of Saguaro National Park, and is served by I-10 and I-19.
County: Pima.
Tucson housing costs at a glance
| Population | 548,371 |
|---|---|
| Median value of owner-occupied homes | $266,200 |
| Median monthly owner costs (with a mortgage) | $1,482 |
| Median gross rent | $1,145 |
| Owner-occupied housing rate | 51.8% |
| Mean travel time to work | 21.9 minutes |
Source: U.S. Census Bureau, QuickFacts: Tucson city, Arizona (population estimate V2025; housing figures from the ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Figures are area-wide medians, not quotes.
Search Tucson homes by monthly budget
See how each monthly budget compares with Tucson's Census rent and owner-cost medians:
More on buying in Tucson
- Homes for sale in Tucson, AZ: prices, taxes and costs from public data
- What a monthly payment buys in Tucson, AZ
Loan options in Tucson
- FHA: The 2026 FHA limit for a one-unit home in Pima County is $541,287 (HUD). Tucson's Census median home value ($266,200) is $275,087 below that limit. FHA requirements.
- Conventional: The 2026 conforming limit is $832,750 in every Arizona county (FHFA), $566,550 above Tucson's Census median home value ($266,200). Conventional loans above the limit are jumbo loans.
- VA: With full entitlement there's no VA loan limit; with partial entitlement VA uses $832,750. Davis-Monthan Air Force Base, in Tucson is the closest major installation. VA eligibility and entitlement.
- USDA: eligibility goes address by address on USDA's map, plus household income limits. How to check an address.
- Self-employed: bank statement loans and other Non-QM options can document income without relying only on tax returns.
- Already own in Tucson? The FHFA House Price Index for the Tucson metro changed +39.5% over five years (through 2026 Q2). Equity matters for a refinance or HELOC.
Pima County loan limits · all 15 counties. Pam Messina (NMLS #245626) can talk through which loan types could fit a Tucson purchase.
Sources: HUD FHA Mortgage Limits (CY2026); FHFA 2026 conforming loan limits; VA.gov entitlement and limits; FHFA HPI (released August 25, 2026); Census median value (ACS 2020–2024 5-year estimates). Retrieved October 1, 2026. Not a loan offer.
Why search by monthly budget in Tucson?
A monthly housing payment usually includes principal and interest plus property taxes and homeowners insurance, and can include mortgage insurance and HOA dues. The MABLS search estimates these for each listing so you can compare homes by payment rather than by price alone.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Prefer to talk it through? Pam Messina, NMLS #245626
Call office 602-740-9664Call Pam 602-460-4879Text PamEmail Pam
Run your own numbers
- Compare renting vs. owning in Arizona with your own rent, home price, and timeline
- Estimate what waiting to buy could cost using your own assumptions
- See how Tucson-area home prices have changed (FHFA House Price Index, 1 to 20 years)
What clients say about Rebel Rate Mortgage
Review mentions Pam Messina, NMLS #245626
Love that they were very responsive to calls and questions, Daryl, Pam and Josh were fantastic to work with! Would and will recommend to anyone looking for efficient company to deal with,
John P. · Google review
Review mentions Pam Messina, NMLS #245626
I had a great experience with Rebel Rate, Pam was amazing, answered all my questions as a first time home buyer! I highly recommend them!
Tracy A. · Google review
Review mentions Daryle Messina, NMLS #183491
Review mentions Pam Messina, NMLS #245626
I had the pleasure of working with Rebel Rate Mortgage, and I can't say enough good things about Daryle, Pam, and Greg. Their communication was top-notch, always keeping us informed and making the process seamless. …
Saro H. · Google review
Reviews from Rebel Rate Mortgage's Google Business Profile. Individual results vary. Read all 37 reviews on this site.
Local questions in Tucson
Nearby places
- Homes in Marana, AZ
- Homes in Oro Valley, AZ
- Homes in Sahuarita, AZ
- Homes in Sierra Vista, AZ
- Homes in Phoenix, AZ
- Homes in Mesa, AZ
Sources
- U.S. Census Bureau QuickFacts: Tucson city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
- HUD, FHA Mortgage Limits lookup (Arizona, FHA Forward and Fannie/Freddie, CY2026) (limits effective January 1, 2026; retrieved October 1, 2026)
- FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (retrieved October 1, 2026)
- VA.gov, VA home loan entitlement and limits (last updated August 12, 2025; retrieved October 1, 2026)
- U.S. Federal Housing Finance Agency, FHFA House Price Index datasets (All-Transactions Index, data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026)
Frequently asked questions
What is the median home value in Tucson?
The Census Bureau's median value of owner-occupied homes in Tucson is $266,200 (ACS 2020–2024 5-year estimates). That's an area-wide median, and actual listing prices vary.
Is it cheaper to rent or own in Tucson?
Census figures show a median gross rent of $1,145 and median monthly owner costs with a mortgage of $1,482. These are medians across all households, including people who bought years ago, so they aren't a quote for a home you buy today.
How do housing costs in Tucson compare with Phoenix?
The Census median value of owner-occupied homes is $266,200 in Tucson vs. $420,700 in Phoenix, and median gross rent is $1,145 vs. $1,582 (ACS 2020–2024 5-year estimates).
How long is the average commute in Tucson?
The Census Bureau's mean travel time to work in Tucson is 21.9 minutes (ACS 2020–2024 5-year estimates).
Can I see Tucson homes that fit a specific monthly payment?
Yes. Open the search, set your monthly budget, and filter to Tucson. Each listing shows an estimated payment. Estimates aren't a loan offer.
Which county is Tucson in?
Tucson is in Pima County.