ZIP Code 85364 — Yuma, AZ Home Prices (2026)
The typical home in ZIP 85364 (Yuma, Arizona) is worth about $264,000 at roughly $198 per square foot — 14% more affordable than the Yuma median and 10% more affordable than the typical U.S. home.
How 85364 compares
ZIP 85364 is one of the more affordable ZIP codes in Yuma: its typical home value of $264,000 ranks #3 of the 3 Yuma ZIP codes we track (the citywide range runs from $264,000 in 85364 to $329,000 in 85365). Per square foot it costs about $198, against $231 for Yuma as a whole, $249 for Arizona, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 85364 | $264,000 | $198 |
| Yuma, AZ | $306,000 | $231 |
| Arizona | $393,000 | $249 |
| United States | $294,000 | $195 |
Home value by size in 85364
Using this ZIP’s rate of about $198 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $198,000 |
| 1,500 sq ft | $297,000 |
| 2,000 sq ft | $396,000 |
| 2,500 sq ft | $495,000 |
| 3,000 sq ft | $594,000 |
Salary needed to buy a home in ZIP 85364
To buy the typical $264,000 home in ZIP 85364 with 20% down, you need a household income of roughly $72,000 a year (about $1,680 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $85,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,200 | $2,080/mo | $89,000/yr |
| 10% (+PMI) | $26,400 | $1,990/mo | $85,000/yr |
| 20% | $52,800 | $1,680/mo | $72,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 85364
At about $198 per square foot, here is roughly how much home different budgets get you in ZIP 85364:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 760 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1260 sq ft | around the typical home here |
| $300k | 1520 sq ft | around the typical home here |
| $400k | 2020 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 85364 home.
Estimate a specific home in 85364
The estimator below is pre-set to ZIP 85364 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Yuma ZIP codes by home value
Where 85364 sits among Yuma’s 3 ZIP codes:
ZIP 85364 home prices: frequently asked
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See the full Yuma home values page, all Arizona cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.