85365
Yuma, Arizona.
Yuma, Yuma County, AZ · Yuma, AZ metro · population 54,775
to buy the typical home at today's mortgage rate — +$998 (+139%) since Jan 2020.
- 1 year
- Up $3,203 +1%
- $323,381$326,584 since Sep 2025
- 5 years
- Up $64,926 +25%
- $261,658$326,584 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 85365$1,714
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in zip 85365 rose 1.0% over the past year — in step with the nation.
Asking rents in zip 85365 rose 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 85365 runs $582/mo more than renting one. The gap peaked at $607 in Oct 2023.
That is $2,230 a month against $1,648 rent: a $1,714 mortgage payment, plus $167 property tax and $350 insurance & upkeep.
Owning vs renting — zip 85365
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,230
- Renting$1,648
- Mortgage only$1,714
Property tax · $167/mo 0.61% of value a year — the ACS 2020-2024 median bill over the median home value for Yuma County, AZ
Insurance & upkeep · $350/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Yuma, AZ — measured over the city limits, which is a different area from this zip.
Asking rent — 85365
Against the Yuma, AZ metro and the national benchmark.
- 85365$1,648
- Yuma$1,424
- United States$1,932
Typical home value — 85365
Mid-tier homes, smoothed and seasonally adjusted.
- 85365$326,584
- Yuma$276,761
- United States$366,157
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.