AZ mortgage rates

Cochise County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Cochise County, Arizona. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Cochise County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Cochise County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Cochise

A local view of the market.

Cochise County, AZ, has seen moderate growth in the real estate market, with median home values around $310,000 in 2024. The county's proximity to Tucson and diverse attractions appeal to homebuyers seeking affordability and space. Sierra Vista, the largest city, has a population of about 45,000. Bisbee, the county seat, is known for its historic charm, while Douglas has around 16,000 residents. Cochise County offers a mix of rural and small-town suburban settings, with a local economy based on military, healthcare, and tourism. Known for its historical sites and natural beauty, it attracts retirees, families, and those who enjoy a mix of culture and outdoor activities.

County snapshot

Market context.

AZ

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaSierra Vista-DouglasMapped market area
Area code43420CBSA / MSA reference
Featured communitySierra VistaFrom the county record
Data year2026Aligned with this limit record
Sierra Vista
Top cities & communities

Communities to explore.

Sierra Vista
Questions & Answers

Refinancing in Cochise County

Common questions about 2026 loan limits and refinancing opportunities in Arizona.

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