Oro Valley, Arizona.
Typical home $493,744 (-1.2% in a year), asking rent $1,831 (+4.3%). Tucson, AZ metro.
to buy the typical home at today's mortgage rate — +$1,353 (+109%) since Jan 2020.
- 1 year
- Down $5,775 -1%
- $499,519$493,744 since Sep 2025
- 5 years
- Up $56,303 +13%
- $437,441$493,744 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.
- Oro Valley$2,592
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 29 years.
Typical home values in Oro Valley, AZ fell 1.2% over the past year — slower than the nation's +1.2%.
Asking rents in Oro Valley, AZ rose 4.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Oro Valley runs $1,582/mo more than renting one. The gap peaked at $1,904 in Oct 2023.
That is $3,413 a month against $1,831 rent: a $2,592 mortgage payment, plus $292 property tax and $529 insurance & upkeep.
Owning vs renting — Oro Valley
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$3,413
- Renting$1,831
- Mortgage only$2,592
Property tax · $292/mo 0.71% of value a year — the ACS 2020-2024 median bill over the median home value for Pima County, AZ
Insurance & upkeep · $529/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.
Living in Oro Valley, Pima County, Arizona
Oro Valley is a town of 47,070 people in Pima County. Half its households earn more than $107,117 a year and half less, against $70,315 across Pima County; 6% of its people live below the poverty line. 76% of its homes are lived in by their owners and 24% are rented. Unemployment in Oro Valley was 5.6% in August 2026, and Pima County had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 26 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Oro Valley is a town on the north side of the Tucson area, where residents tend to be older than in most of the country and most homes are lived in by their owners. Incomes run well above the county's, and fewer people live below the poverty line than you might expect. A large majority of adults hold a four-year degree, and typical home values and rents are on the high side.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in manufacturing and in shops. Among the biggest workplaces in town are Ventana Medical Systems, which makes diagnostic products, Northwest Medical Center Oro Valley, a general hospital, and the Hilton Tucson El Conquistador resort. A fair number of people work from home, and the typical commute is a fairly long one for a town of this size.
Things to do. Catalina State Park, a protected area, and Tohono Chul, a botanical garden, are both a short drive away, and the Cañada del Oro river is close as well. Saguaro National Park is a longer drive, as is the Arizona-Sonora Desert Museum, which is a zoo as much as a museum. Winters are mild and summers get very hot, with little rain or snow through the year, so outdoor outings suit the cooler months best.
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- 21,800households
- 58%of adults have a degree
- 6%below the poverty line
- 27 mintypical commute
- 23%work from home
What residents work in
Employed residents by industry, from the Census survey. Pima County had 387,065 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 66° and lows near 31°; warmest in June, with highs near 101° and lows near 60°. About 13 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Catalina Sp weather station, 3 miles away (NOAA).
Largest workplaces in Oro Valley
- Ventana Medical SystemsBlood derivative in-vitro diagnostic substances manufacturing1,666
- Northwest Medical Center ORO ValleyGeneral hospital494FTE
- Job Aire GroupMaintenance and repair services, aircraft354
- WalmartWarehouse clubs and supercenters289
- Tucson Mather ManagementContinuing care retirement communities255
- Desert Hospitality Management, LLC - Hilton Tucson - El ConquistadorHotels, resort, without casinos251
- Town of Oro ValleyCity and town managers' offices211
- SafewaySupermarkets and other grocery stores158
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 5,286 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesVery high
- WildfireRelatively high
- Inland floodingRelatively high
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oro Valley’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pima County and the Tucson, AZ metro.
Oro Valley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oro Valley$493,744
- Arizona$416,733
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Oro Valley listings, and the typical home goes pending in 37 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Oro Valley28.09%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Oro Valley37
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oro Valley316
New listings per month
Sellers arriving at the market.
- Oro Valley88
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oro Valley$466,785
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Oro Valley98.01%
Zip codes with a Oro Valley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oro Valley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Oro Valley
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 85737 | Tucson | 22,785 | $1,962 | $486,494 |
| 85755 | Tucson | 18,560 | $2,672 | $496,856 |