Home Purchase Assistance Option (HPAO)
Deferred second loan · New construction · Income limits
Down payment assistance · Coconino County
Buying a home in Tuba City, AZ
1 county program and 10 statewide.Tuba City has no program of its own, 1 across Coconino County, and 10 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Tuba City
No program of Tuba City’s own yet
No program run for Tuba City alone is listed. A home in Tuba City can use Coconino County’s programs below, plus the Arizona statewide and federal ones.
The closest city that runs its own program is Flagstaff, about 69 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CoconinoAnywhere in Coconino County
1 county program1 county program a Tuba City homebuyer can use
3 more programs are for homes in Flagstaff. See them 3 programs in neighboring cities — for homes inside those cities, not Tuba City
The Tuba City marketThe Tuba City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tuba City
- 50.3% single-familysingle-family
- 1.4% townhousetownhouse
- 4.8% 2–4 units2–4 units
- 13.3% 5+ unitscondo & apartment buildings (5+ units)
- 30.2% mobile & othermobile home & other
Condos count. Tuba City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tuba City’s homes were built
pre-19401970s2020+
36.9%
of Tuba City homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$106,000
County area median income, 4 people (HUD)HUD area median income, Coconino County, 4-person household (2026)
$61,338
Tuba City median household incomeMedian household income in Tuba City (Census, 2024)
13 of the 73 programs here set their income limit as a share of Coconino County’s area median income, adjusted for household size. See the published limits for Coconino County
Free help nearbyFree help near Tuba City
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Arizona and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Tuba City questions
Does Tuba City have its own down payment program?
No program run for Tuba City alone is listed. A home in Tuba City can use the 1 program that cover Coconino County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Tuba City?
Tuba City’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Coconino County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Coconino County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Tuba City?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
86045
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.