AZ mortgage rates

Pima County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Pima 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

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

About Pima

A local view of the market.

Pima County, AZ, has a strong real estate market, with median home values around $385,000 in 2024. Tucson, the county seat, drives demand with its cultural attractions and diverse economy, making it popular for both buyers and renters. Tucson, the largest city, has a population of about 543,000, while nearby Oro Valley has approximately 47,000 residents, and Marana has around 50,000. Pima County offers a mix of urban and suburban living, with a local economy centered on education, healthcare, and defense. Known for its desert landscapes and rich history, the area attracts students, families, and retirees who value cultural amenities, nature, and a mild climate.

County snapshot

Market context.

AZ

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

Market areaTucsonMapped market area
Area code46060CBSA / MSA reference
Featured communitiesSahuarita · Marana · Oro ValleyFrom the county record
Data year2026Aligned with this limit record
SahuaritaMaranaOro Valley
Top cities & communities

Communities to explore.

SahuaritaMaranaOro ValleyTucson
Questions & Answers

Refinancing in Pima County

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

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