Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$273,922−0.4% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 13% have cut their price
Income needed to buy, per year$59,381About 1.0× the local median income ($57,125): a stretch for a typical household
Days on market84 daysSlower than a year ago: buyers have time to negotiate
The typical home in Santa Cruz County, AZ is worth $273,922, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $248,642, so the area is 10.2% overvalued. It is a buyer's market: homes take about 84 days to sell, listings are up 11% from a year ago, 13% of listings have had a price cut. A household needs about $59,381 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,125. Typical rent is $1,862 a month. In the latest IRS figures, 205 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$273,922
Change in 1 year
−0.4%
Overvalued %
+10.2%
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Fair home value
$248,642
Change in 5 years
+15.6%
Home value to income
4.8×
Monthly mortgage payment (20% down)
$1,485
Income needed to afford it
$59,381
Property tax rate
0.61%
Rent and investing
Typical rent
$1,862
Price-to-rent ratio
12.3×
HUD Fair Market Rent, 2 bedrooms
$1,041
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Gross rental yield
8.16%
Cap rate (estimate)
5.30%
Market activity
Listings vs a year ago
+10.9%
Days on market
84
Listings with a price cut
13.3%
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Homes for sale
304
Pending sales per 100 listings
20
Asking price per sq ft
$197
People and jobs
Median household income
$57,125
Population change (1 year)
+0.5%
Unemployment rate
12.2%
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Population
50,020
Income adjusted for cost of living
$69,920
Net moves in (IRS)
−205
Cost of living (US = 100)
81.7
Schools, risk and environment
School rating (1 to 10)
5.4
FEMA hazard risk score (0 to 100)
88.3
Unhealthy air days a year
3
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Flood risk score
87.4
Wildfire risk score
98.1
Walkability (1 to 20)
5.6
Road, rail and air noise
54 dB
Questions people ask
Is Santa Cruz County, AZ overvalued?
Home prices in Santa Cruz County, AZ are well above what local incomes have historically supported: fair value is about $248,642, so the area is 10.2% overvalued.
Is Santa Cruz County, AZ a buyer's or seller's market?
Santa Cruz County, AZ is a buyer's market: homes take about 84 days to sell, listings are up 11% from a year ago, 13% of listings have had a price cut.
Are home prices going down in Santa Cruz County, AZ?
Home values in Santa Cruz County, AZ are down 0.4% over the last year.
How much do you need to earn to buy a home in Santa Cruz County, AZ?
A household needs about $59,381 a year to afford the typical home in Santa Cruz County, AZ at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,125.