Buy a Home in Tucson, AZ—With Lower Income

Thinking homeownership is out of reach? Not in Tucson. With the right programs and a smart plan, you can buy a home—even on a modest income. We are here to help you connect the dots so you can stop renting and start building equity.

Why Tucson Works for Budget Buyers

Tucson’s market is friendlier than you think.
• Median price: $337,000 (August 2025, Redfin) — down 4.3% from last year.
• Cost of living: About 5% below the national average.
Translation: more house for your money and neighborhoods like Midvale Park, South Tucson, or Armory Park where you can still find homes under $300K.

A Few Of The Top Programs That Our Clients Use:

• FHA Loans: Only requires a 3.5% down payment
• USDA Loans: 0% down for rural zones like Vail or Marana (covers 97% of Pima County).
• City of Tucson HOME Program: Up to $20K in forgivable down-payment help for buyers earning 80% of area median income.
• AZIDA: Second mortgage up to 5% of the purchase price—completely forgiven after three years of living in the home.

Keep in mind, we’re real estate pros, not lenders. We'll connect you with mortgage experts who can match you to the best program.

Budget-Friendly Tucson Neighborhoods:

Stretch your dollars in:
• Midvale Park: Avg. $290K, easy I-10 access.
• South Tucson: $250K–$300K and full of culture.
• Rita Ranch: Around $325K with strong schools.
• Flowing Wells: Close to downtown, starting near $280K.

How We'll Help You Make It Happen:

1. Pre-Approval: We introduce you to lenders who know first-time and low-income programs.
2. Home Search: We help you narrow down the best homes, including "off-market" homes.
3. Smart Offers: We back every bid with fresh comps so sellers take you seriously.
4. Assistance Apps: We help coordinate city or state programs to lower your costs.
5. Closing Day: Our team tracks every deadline so you move in without the stress

Tucson Resources Worth Knowing

• Pima County HOME Program: Up to $25K for very low-income buyers.
• Habitat for Humanity Tucson: Sweat-equity homes starting near $150K.
• Tucson Housing Foundation: Free homebuyer classes.

Ready To Transition Into Homeownership?

Call 520.222.9611 to start exploring your options. We'll walk you through the process and help connect you with the best programs to make this transition as smooth as possible. Let’s turn “someday” into move-in day!

Resources

• U.S. Census Bureau Tucson Income Data: https://data.census.gov/cedsci/table?q=Tucson%20income

• Redfin Tucson Housing Market: https://www.redfin.com/city/18484/AZ/Tucson/housing-market

• City of Tucson HOME Program: https://www.tucsonaz.gov/hcd/homeownership-investment-program

• Arizona Industrial Development Authority: https://www.azida.gov/homebuyer-programs

• USDA Rural Development AZ: https://www.rd.usda.gov/az

• Vantage West Credit Union FHA Loans: https://www.vantagewest.org/personal/loans/mortgages/fha/

• Take Charge America Credit Counseling: https://www.takechargeamerica.org/locations/tucson

• Tucson Housing Foundation: https://www.tucsonhousingfoundation.org/

• Pima County HOME Program: https://www.pima.gov/2397/HOME-Program

• Habitat for Humanity Tucson: https://www.habitatcentralaz.org/tucson

• Tucson Association of Realtors: https://www.tucsonrealtors.org/

• Zillow TJK Team Reviews: https://www.zillow.com/profile/TomJKrieger

• Google Reviews TJK Team: https://www.google.com/search?q=tjk+team+tucson

• Pioneer Title Agency: https://www.pioneertitleagency.com/

• NAR Code of Ethics: https://www.nar.realtor/code-of-ethics

• Fair Housing Act: https://www.hud.gov/program_offices/fair_housing_equal_opp