Vail, Arizona.
Typical home $402,034 (-1.9% in a year), asking rent $2,063 (+3.3%). Tucson, AZ metro.
to buy the typical home at today's mortgage rate — +$1,044 (+98%) since Jan 2020.
- 1 year
- Down $7,906 -2%
- $409,941$402,034 since Sep 2025
- 5 years
- Up $22,440 +6%
- $379,595$402,034 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.
- Vail$2,110
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 60 years.
Typical home values in Vail, AZ fell 1.9% over the past year — slower than the nation's +1.2%.
Asking rents in Vail, AZ rose 3.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Vail runs $716/mo more than renting one. The gap peaked at $1,086 in Oct 2023.
That is $2,779 a month against $2,063 rent: a $2,110 mortgage payment, plus $238 property tax and $430 insurance & upkeep.
Owning vs renting — Vail
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$2,779
- Renting$2,063
- Mortgage only$2,110
Property tax · $238/mo 0.71% of value a year — the ACS 2020-2024 median bill over the median home value for Pima County, AZ
Insurance & upkeep · $430/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 Vail, Pima County, Arizona
Vail, in Pima County, had 13,604 people in the 2020 census. Half its households earn more than $130,904 a year and half less, against $70,315 across Pima County; 4% of its people live below the poverty line. 91% of its homes are lived in by their owners and 9% are rented. Unemployment in Pima County was 5.7% in August 2026, and the 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 23 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. Vail is a community in Pima County where nearly everyone owns the home they live in, and incomes run well above the county's. Few households live below the poverty line, and a good share of adults hold a four-year degree. Winters are mild, with December the coolest month, while summers are very hot, with June the warmest.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, transport and warehousing, and shops also employing many. In Vail itself, the Vail Unified District and Safeway are among the largest workplaces. Commutes are fairly long, and some residents work from home.
Things to do. Ciénega Creek, a river, runs in or beside town, and Colossal Cave, a museum, is a short drive away. Saguaro National Park is a longer drive, as is the Pima Air & Space Museum, which makes a good day out.
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- 5,529households
- 43%of adults have a degree
- 4%below the poverty line
- 30 mintypical commute
- 20%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 65° and lows near 41°; warmest in June, with highs near 101° and lows near 72°.
Average daily high and low, 1991–2020, at the Saguaro Np weather station, 11 miles away (NOAA).
Largest workplaces in Vail
- Vail Unified District (4413)School district2,129FTE
- SafewaySupermarkets and other grocery stores186
- AramarkFood service contractors88
- VailMail and parcel delivery34
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 308 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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 in parts of VailRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Vail’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.
Vail home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Vail$402,034
- 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 3 Vail listings, and the typical home goes pending in 62 days — the market is cooling.
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.
- Vail35.64%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Vail62
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Vail246
New listings per month
Sellers arriving at the market.
- Vail51
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Vail$405,757
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Vail98.95%
Zip codes with a Vail address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Vail — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.