Income limits · Arizona

Income limits and price caps in Arizona

45 Arizona programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.45 Arizona programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Maricopa	$112,400	12	FY2026	Maricopa programs →
Pima	$99,800	7	FY2026	Pima programs →
Coconino	$106,000	4	FY2026	Coconino programs →
Yavapai	$92,200	4	FY2026	Yavapai programs →
Yuma	$79,300	4	FY2026	Yuma programs →
Navajo	$63,000	1	FY2026	Navajo programs →
Pinal	$112,400	1	FY2026	Pinal programs →
Apache	$54,600	0	FY2026	Apache programs →
Cochise	$78,500	0	FY2026	Cochise programs →
Gila	$78,900	0	FY2026	Gila programs →
Graham	$84,100	0	FY2026	Graham programs →
Greenlee	$83,500	0	FY2026	Greenlee programs →
La Paz	$63,200	0	FY2026	La Paz programs →
Mohave	$79,900	0	FY2026	Mohave programs →
Santa Cruz	$64,400	0	FY2026	Santa Cruz programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–August 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Arizona program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

14 programs

All 14 →

Up to 115% AMI

3 programs

Up to 150% AMI

3 programs

Up to 78% AMI

2 programs

Up to 120% AMI

2 programs

Other limits

50% AMI · 1
- Section 8 Home Ownership Program
60% AMI · 1
- Habitat for Humanity of Yuma Homeownership Program
100% AMI · 1
- Arizona is Home Mortgage Assistance Program
125% AMI · 1
- City of Flagstaff Employer Assisted Housing Program (EAH)
140% AMI · 1
- FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Arizona
No percentage published · 16
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 16 →

Limits as written in each program record, Hey Prescott, verified June–August 2026. Confirm current limits with the administering agency.

Purchase price caps

8 programs also cap the home’s price8 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
PimaTucson LIGHTHOUSE Down Payment Assistance Program	Pima	—	$665,173
Pima IDA Mortgage Credit Certificate (MCC) Program	Pima	115% AMI	$544,232
Arizona Home Plus	—	115% AMI	$500,000
Arizona is Home Mortgage Assistance Program	Statewide (excludes Maricopa, Pima, and Chino Valley)	100% AMI	$481,176
Maricopa County HOME	Maricopa	80% AMI	$400,000
City of Tucson – Pima County HOME Consortium Down Payment Assistance Program	Pima	80% AMI	$345,000
City of Tucson Down Payment Assistance Program	Pima	80% AMI	$345,000
Habitat for Humanity of Northern Arizona Starter Home Homeownership Program	Coconino	80% AMI	$100,000

All 8 price caps →

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–August 2026.

Not sure where your income lands?

23 HUD-approved counseling agencies in Arizona23 HUD-approved housing counseling agencies in Arizona

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Arizona

Arizona programs45 programsBack to Arizona →All 15 countiesLocal programs and mediansSee counties →10 cities with a programavondale, chandler, cottonwood and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Arizona?

45 down payment assistance programs in Arizona publish an income limit, a purchase price cap, or both. 29 express the limit as a share of the area median income for the county where the home is, and 19 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–August 2026.
HUD-approved housing counseling agencies: HUD agency list.