Shop Yuma homes by monthly payment: what each budget covers
Yuma's median owner cost is $1,489 a month and median taxes about $122. Start from the payment you want and see homes whose estimate fits. MABLS shows each home's payment from its real property tax and HOA data plus an insurance estimate.
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.
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What does a monthly payment buy in Yuma, AZ?
Quick answer: The Census median owner cost with a mortgage in Yuma is $1,489, and median taxes run about $122 a month. The median tax is 0.64% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Yuma city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Tax lines that move Yuma payments
Yuma County's average total tax rate was 11.46 per $100 in FY2025-26 (9.04 primary plus 2.42 secondary), which is $134 a year more per $100,000 of limited value than Maricopa County's average of 10.12. It is an all-property average, so use it for direction, not for a particular home. Mobile and manufactured homes are 19% of Yuma's housing units, next to 56% single-family detached, so check the home type on each listing; the value and tax medians here blend the types.
FHFA's Yuma metro index changed +40.8% over five years and −0.0% over the last year (through 2026 Q2), 4.6 points ahead of the statewide five-year change of +36.3%. It measures repeat sales across the metro, not Yuma alone. On owner costs, Yuma ($1,489) lands between neighbors Bullhead City ($1,300) and Lake Havasu City ($1,627); on monthly taxes the three read $86, $122 and $146 in that order.
Same price, different payment in Yuma
Yuma owners pay a heavier tax share than most: the Census median real estate tax is $1,463 a year, 0.64% of the median home value and 6th-highest of 39 places on this site for tax share. Two homes at the same price can still land on either side of that median, depending on the tax area and any district lines on the parcel.
What each monthly budget covers in Yuma
Census median monthly owner cost for Yuma homeowners with a mortgage: $1,489, 35th-highest of 39 places (ACS 2020–2024). Every budget on this site sits above the Yuma median, starting $11 over it at $1,500. Median real estate taxes come to about $122 a month, 8% of that owner-cost median.
| Budget | Vs. $1,489 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $11 above | 8% | $1,378 |
| $2,000/mo | $511 above | 6% | $1,878 |
| $2,500/mo | $1,011 above | 5% | $2,378 |
| $3,000/mo | $1,511 above | 4% | $2,878 |
| $4,000/mo | $2,511 above | 3% | $3,878 |
What is left must still cover principal and interest, insurance and dues. Medians include long-time owners, so this is not a quote.
How owner costs are spread in Yuma
51% of Yuma's 14,617 owners with a mortgage pay under $1,500 a month in owner costs, and only 4% pay $3,000 or more. On value, 69% of owner-occupied homes are worth under $300,000 and only 5% reach $500,000.
| Under $1,500 | $1,500 to $1,999 | $2,000 to $2,499 | $2,500 to $2,999 | $3,000 or more |
|---|---|---|---|---|
| 51% | 26% | 14% | 6% | 4% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Yuma payments
Among Yuma's 26,107 owner-occupied homes, 27% have two or fewer bedrooms, 44% have three and 29% have four or more.
Places with owner costs closest to Yuma's
| Place | Owner costs | Taxes a month | Vs. Yuma |
|---|---|---|---|
| Yuma | $1,489 | $122 | this page |
| Tucson | $1,482 | $149 | below Yuma by $7 |
| Cottonwood | $1,503 | $90 | above Yuma by $14 |
| Show Low | $1,505 | $116 | above Yuma by $16 |
| Sierra Vista | $1,459 | $120 | below Yuma by $30 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Yuma: homes for sale and the city overview.
Data as of October 10, 2026. Figures are cited to the public sources listed below. General information for Arizona home shoppers, not a loan offer, rate quote, or commitment to lend.
See Yuma homes by the payment you want
Search with each home's own property taxes, HOA dues, and insurance built into the estimate. We never sell your information.
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.
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Yuma overview · Homes for sale in Yuma · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Yuma city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: B25077 (median home value), B25103 (median real estate taxes paid), B25088 (median owner costs with a mortgage), B08013/B08303 (mean travel time to work), B25003 (owner-occupied share), B01003 (population) (retrieved October 4, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, housing tables B25001, B25004, B25024, B25034, B25035, B25042 (via the Census Reporter API) (retrieved October 10, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, B25087 (selected monthly owner costs, housing units with a mortgage) and B25075 (value of owner-occupied homes) (retrieved October 10, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
Frequently asked questions
What is the median monthly property tax for homeowners in Yuma?
About $122 a month, from a Census median of $1,463 a year (ACS 2020–2024).
Why can two Yuma homes at the same price have different payments?
Each home has its own assessed value, tax area, dues and insurance estimate. The Census median tax paid in Yuma is $1,463 a year, about 0.64% of the median home value, but individual homes pay more or less.
How does Yuma compare with Tucson on owner costs?
Median monthly owner costs with a mortgage are $1,489 in Yuma and $1,482 in Tucson (ACS 2020–2024), a difference of $7. Median monthly taxes are $122 and $149.