Yuma homes around $3,000 a month
Set a monthly budget of about $3,000 and see Yuma homes with an estimated payment for each listing.
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.
What can you afford in Yuma on $3,000 a month?
Quick answer: In Yuma, a $3,000 monthly budget is $1,886 above the median gross rent ($1,114) and $1,511 above the median monthly owner costs for homeowners with a mortgage ($1,489), per the U.S. Census Bureau (ACS 2020–2024). What it buys depends on price, down payment, taxes, insurance, and HOA dues, so compare listings by estimated payment.
Source: U.S. Census Bureau, QuickFacts: Yuma city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
How $3,000 a month compares in Yuma
- A $3,000 monthly budget is $1,886 above Yuma's median gross rent ($1,114).
- It's $1,511 above Yuma's median monthly owner costs for homeowners with a mortgage ($1,489).
| Population | 105,227 |
|---|---|
| Median value of owner-occupied homes | $230,000 |
| Median monthly owner costs (with a mortgage) | $1,489 |
| Median gross rent | $1,114 |
| Owner-occupied housing rate | 66.8% |
| Mean travel time to work | 18.4 minutes |
Source: U.S. Census Bureau, QuickFacts: Yuma 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.
These medians cover all households, including people who bought or signed leases years ago. What a $3,000 payment buys today depends on the price, down payment, taxes, insurance, HOA dues, and loan program. The search estimates those for each listing.
What goes into a monthly payment
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.
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 Arizona home prices have changed (FHFA House Price Index, 1 to 20 years)
Other monthly budgets in Yuma
$3,000/month in nearby cities
- Phoenix homes near $3,000/mo
- Tucson homes near $3,000/mo
- Mesa homes near $3,000/mo
- Chandler homes near $3,000/mo
- Gilbert homes near $3,000/mo
- Scottsdale homes near $3,000/mo
- Glendale homes near $3,000/mo
- Tempe homes near $3,000/mo
Back to the Yuma overview · All cities by monthly budget
Sources
- U.S. Census Bureau QuickFacts: Yuma city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
Frequently asked questions
Can I find homes in Yuma with a payment around $3,000 a month?
Use the search to set a $3,000 monthly budget and filter to Yuma. Listings show an estimated payment so you can see what fits. Availability changes daily.
Is $3,000 a month more or less than renting in Yuma?
The Census Bureau's median gross rent in Yuma is $1,114, so $3,000 is $1,886 above that median ($1,114).
How does a $3,000 monthly budget compare with what Yuma homeowners pay?
The Census Bureau's median monthly owner costs for Yuma homeowners with a mortgage are $1,489 (ACS 2020–2024 5-year estimates), so $3,000 is $1,511 above that median. That median includes people who bought years ago.
What does a monthly housing payment include?
Usually principal and interest, property taxes, and homeowners insurance, and sometimes mortgage insurance and HOA dues. The search estimates these for each listing.
Is the payment in the search a loan quote?
No. It's an estimate to help you compare homes, not a loan offer or rate quote. A licensed loan officer can give you real numbers after reviewing your situation.