Santa Cruz County, Arizona has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $233,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,217 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $233,000 |
| Arizona median home value | $394,500 |
| Limit ÷ median home value | 3.57× |
| Median household income | $55,217 |
| Median home value ÷ income | 4.2× |
| Population | 48,926 |
| Median property tax paid (owners) | $1,415 |
| Effective property tax rate (approx.) | 0.61% |
| Owner-occupied homes | 69.3% |
| Home value rank in Arizona | 8 of 15 counties |
| Neighbor: Cochise County, AZ | limit $832,750; median home $218,300 |
| Neighbor: Pima County, AZ | limit $832,750; median home $319,700 |
Across Arizona's 15 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Santa Cruz County's median home value is 41% below the state median of $394,500 (rank 8 of 15). Among its 2 neighboring counties, Pima County has the highest median home value ($319,700) and Cochise County the lowest ($218,300); all share the same loan limit. Owners pay a median $1,415 a year in property tax, an effective rate of about 0.61% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Frequently asked questions
What is the conforming loan limit in Santa Cruz County, Arizona?
Santa Cruz County, Arizona has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $233,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,217 (FHFA; Census ACS 2020–2024).
What is the median home value in Santa Cruz County, Arizona?
The median owner-occupied home value in Santa Cruz County is $233,000 (ACS 2020–2024), versus $394,500 statewide.
Do I need a jumbo loan in Santa Cruz County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $233,000, so the cap is 3.57 times the typical home value.
Related
- 2026 conforming loan limit: Navajo County, AZ
- 2026 conforming loan limit: Pima County, AZ
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- 2026 conforming loan limit: Yuma County, AZ
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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