Arizona · First-Time Buyers
Everything you need to buy your first home in Arizona
Home Plus DPA up to 5%, Pathway to Purchase up to $20k forgiven, and 2026 FHA loan limits by county — plus a free 3-minute scorecard that shows exactly where you stand.
Arizona cities
Pick your city for local price data, DPA notes, and neighborhood picks.
Phoenix, AZ
Maricopa County
Arizona's largest metro — competitive for entry-level buyers under $450k with strong DPA availability city-wide.
Median $445,000 · FHA limit $524,225
Tucson, AZ
Pima County
Tucson's median sits well under the FHA limit, making it one of the most DPA-friendly markets in the Southwest.
Median $340,000 · FHA limit $524,225
Mesa, AZ
Maricopa County
East Valley staple with heavy first-time-buyer activity in the $350–475k range.
Median $435,000 · FHA limit $524,225
Scottsdale, AZ
Maricopa County
High-end market where FHA rarely fits — Conventional 5–20% down is the norm; DPA works in South Scottsdale.
Median $875,000 · FHA limit $524,225
Chandler, AZ
Maricopa County
Tech-corridor buyers with dual incomes — Conventional 5–10% down usually beats FHA on total cost.
Median $550,000 · FHA limit $524,225
Gilbert, AZ
Maricopa County
Family-first suburb with the state's best schools — buyers here maximize DPA to preserve reserves.
Median $585,000 · FHA limit $524,225
Flagstaff, AZ
Coconino County
High-cost designation lifts the FHA limit to $604,900 — but affordability is still the tightest in AZ.
Median $665,000 · FHA limit $604,900
Glendale, AZ
Maricopa County
West Valley value play — median firmly under the FHA cap and eligible for full Home Plus stacking.
Median $415,000 · FHA limit $524,225
Tempe, AZ
Maricopa County
ASU-adjacent — condos and townhomes dominate first-time buyer inventory.
Median $495,000 · FHA limit $524,225
Peoria, AZ
Maricopa County
Growing West Valley suburb with strong new-construction incentives from national builders.
Median $480,000 · FHA limit $524,225
Surprise, AZ
Maricopa County
One of the fastest-growing cities in the country — heavy first-time buyer volume with Home Plus.
Median $445,000 · FHA limit $524,225
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