Compare Current Yuma, Arizona Mortgage Rates

Compare Yuma, AZ mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Yuma.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Yuma. Plus, shopping lenders is free and there is no obligation.

Yuma, AZ Mortgage Rates as of December 1, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Yuma, AZ Mortgage Rates

December 1, 2022

Current mortgage rates in Yuma, AZ are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Yuma, AZ Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Yuma, Arizona?

Below we provide helpful information on the real estate market, home prices and housing affordability in Yuma. Understand how much you need to earn to afford a home in Yuma, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Yuma fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Yuma is right for you.

The median home value for Yuma, AZ is $188,063

Based on current mortgage rates and a 10% down payment, you need to make $30,813 per year to buy the median priced home in Yuma

With this income, you could qualify for a $169,257 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Yuma is $714

The median household income for Yuma, AZ is $50,173

Based on this income, you can afford a home valued at approximately $306,221

The home price you can afford to buy based on household income in Yuma is 163% of the median home value which means housing prices are average. Yuma ranks 5 out of 15 counties in Arizona and 2,419 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Yuma, AZ is average


Loan Limits for Yuma, Arizona

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Yuma below.

Conforming loan limits for Yuma, AZ

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Yuma, AZ

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Yuma, AZ

1 unit: $647,200

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