Housing decision brief
Cochise County, AZ Housing Market
Cochise County screens as a below-state purchase price, below-state rent, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
7th lowest home value out of 15 Arizona counties with data | 7th lowest rent out of 15
Median home value
$207,400
Purchase-price signal from Census ACS.
Median rent
$939/mo
Gross rent, including utilities where reported.
Monthly owner cost
$781/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.5x
Median home value divided by local household income.
Rent burden
28.0%
Below 30% usually screens as less pressured.
Rent vs own
$158/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$207,400 median home value is 4% below Arizona county median
Lower rent
$939/mo is 4% below Arizona county median
Rent burden below pressure line
28.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $158/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$58,970 median income is 2% below Arizona county median
Tax rate needs attention
0.64% effective property-tax rate is 18% above Arizona county median
Water quality cross-check
Water quality grade is F. Review water data before treating housing cost as the full story.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Households weighing ownership against renting
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Cochise County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $207,400 | $216,100 | $281,900 | Near state median4% below Arizona county median |
Median gross rent Lower usually helps affordability. | $939 | $983 | $1,163 | Near state median4% below Arizona county median |
Monthly owner cost Lower usually helps affordability. | $781 | $851 | $1,672 | 8% favorable8% below Arizona county median |
Median household income | $58,970 | $60,417 | $74,755 | Near state median2% below Arizona county median |
Effective property-tax rate Lower usually helps affordability. | 0.64% | 0.54% | 1.02% | 18% pressure18% above Arizona county median |
Rent burden Lower usually helps affordability. | 28.00% | 28.00% | N/A | Near state median28.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$21,410
Median income minus rent threshold.
Owner cushion
+$25,499
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Housing in Cochise County is affordable. The median rent is $939/month against a median household income of $58,970, putting rent at 19.1% of income.
Rent vs own
At $939/month rent versus $781/month in owner costs, owning is roughly $158/month cheaper , a 17% difference.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,560/year. For owner costs at the 28% rule, the required income is roughly $33,471/year. With a median household income of $58,970, most households can comfortably afford rent here. Notably, 28.0% of renter households in Cochise County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Arizona, Cochise County is less affordable than Gila County by roughly 6% ($939/mo vs $1,001/mo).
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Yuma County, AZ | $195,700 | $983/mo | Same-state comparison near $195,700 home value and $983/mo rent. |
| Graham County, AZ | $202,700 | $890/mo | Same-state comparison near $202,700 home value and $890/mo rent. |
| Gila County, AZ | $247,000 | $1,001/mo | Same-state comparison near $247,000 home value and $1,001/mo rent. |
| Santa Cruz County, AZ | $216,100 | $781/mo | Same-state comparison near $216,100 home value and $781/mo rent. |
| Navajo County, AZ | $186,100 | $832/mo | Same-state comparison near $186,100 home value and $832/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Cochise County
Is Cochise County affordable for buying a home?
Is renting or owning cheaper in Cochise County?
How much income do you need for housing in Cochise County?
What should I double-check before moving to Cochise County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.