📍 Zip Code 85701 · Tucson, AZ · Pima County

Mortgage Costs in 85701
Tucson, AZ

Real 2026 data · Property tax 0.6% · 7.1% mortgage rate
$265,000
Median Home Price
$1,668
All-In Monthly (20% down)
$71,470
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 85701 (Tucson, AZ)

Cost Item
20% Down ($53,000)
10% Down ($26,500)
Principal & Interest
$1,425/mo
$1,603/mo
Property Tax (0.6%)
$132/mo
$132/mo
Home Insurance (~0.5%)
$110/mo
$110/mo
PMI (if <20% down)
$119/mo
Total All-In
$1,668/mo
$1,965/mo

What Salary Do You Need to Buy in 85701?

Using the standard 28% gross income housing rule, you need approximately $71,470/year to comfortably afford the median home in Tucson, AZ with 20% down at today's 7.1% rate.

The average household income in Pima County is approximately $52,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 85701 (Pima County)

Pima County has a property tax rate of approximately 0.6% — below the national average of 1.1%. On a $265,000 home, this equals $132/month or $1,590/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $238/year. No win = no fee.
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Will a Bank Approve You in Tucson?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 85701.

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