Arizona’s loan limits are simpler than California’s, with every county at the baseline, but its short-term rental law, community property rules and trustee-sale foreclosures all matter when you plan a purchase.
Arizona at a glance
| Arizona | |
|---|---|
| Property tax | Relatively low; yearly increases in taxable value are capped at 5% |
| Transfer tax | None; Arizona doesn’t tax real estate transfers |
| Closings | Handled by title and escrow companies |
| Foreclosure | Usually out of court, through a trustee sale |
| Community property | Yes |
Loans and costs in Arizona
FHA loans in ArizonaEvery Arizona county uses the conforming baseline, but FHA limits still vary by county, from the national floor in rural counties to higher figures in Maricopa and Pima.
Conforming and jumbo loans in ArizonaAll 15 Arizona counties use the $832,750 conforming baseline in 2026, so the line between conforming and jumbo is the same in Phoenix, Tucson and Flagstaff.
VA loans in ArizonaArizona has a large veteran population and military bases near Tucson, Yuma and Phoenix, and VA loans are a common way to buy here with no down payment.
First-time homebuyer programs in ArizonaArizona’s assistance comes from a mix of statewide and county programs, mostly as down payment help that is forgiven or repaid when you sell.
Investment property loans in ArizonaArizona is friendly to rental investors.
Reverse mortgages in ArizonaArizona’s large retiree population makes reverse mortgages common here, and the state’s property tax rules can help older homeowners keep costs steady.
Foreclosure and buying again in ArizonaArizona foreclosures are usually trustee sales outside court, on a fixed schedule, and Arizona’s anti-deficiency law protects many homeowners afterward.
Closing costs in ArizonaArizona closings are handled by title and escrow companies, and with no transfer tax, buyers here pay less in government charges than in many states.
Property tax rates in ArizonaArizona taxes homes on a limited property value that can rise only 5% a year, and a sale doesn’t reset it, so a buyer usually inherits roughly the seller’s tax level.
Loan limits
In 2026 the conforming limit for a one-unit home is $832,750 in most Arizona counties, and FHA limits run from $541,287 to $609,500. Every Arizona county’s limits.
Licensed in Arizona
I’m individually licensed in Arizona (NMLS #1470164), through ARBOR Financial Group, which holds its Mortgage Banker Licenses 1041688 and 1041691 (trade name). Licensing details.
