Housing & property help in Arizona
19 federal, state, local and nonprofit programs for Arizona residents. Each one links to step-by-step instructions and the official site.
Full property tax exemption for 100% disabled veteransTax breakYour primary home is fully exempt from Arizona property tax.Who qualifies: Veterans rated 100% service-connected disabled by the VA who own and live in their Arizona home.Housing Choice Vouchers (Section 8)Free service or coveragePays part of your rent to a private landlord, so you pay about 30% of your income toward rent.Who qualifies: Households with very low income, usually under half of the local median; local housing agencies set waitlists and priorities.Housing Choice Vouchers and public housingFree service or coverageRent assistance (Section 8) or an apartment in public housing, with rent based on your income.Who qualifies: Households with low income who rent; waitlists open only at certain times.Pima County rent and utility assistanceFree moneyShort-term help paying rent or utilities to prevent eviction or shutoff, when funds are available.Who qualifies: Pima County renters and households behind on rent or utilities, with limited income.Arizona Property Tax Refund Credit (Form 140PTC)Free moneyA refund of part of the property tax or rent you paid, even if you owe no income tax.Who qualifies: Arizonans 65+ or receiving SSI, owners or renters, with very low household income.Free HUD-approved housing counselingFree service or coverageFree or low-cost advice on renting, buying a home, avoiding foreclosure and dealing with an eviction.Who qualifies: Anyone renting, buying, behind on a mortgage, or facing eviction or foreclosure; counseling is free or low cost.HOME Plus down payment assistanceConditionalDown payment and closing cost help for buying a home, paired with a mortgage.Who qualifies: Arizona homebuyers with moderate income who use a participating lender.Pima County Home Repair ProgramFree moneyNo-cost repairs to fix health and safety hazards and major systems for eligible homeowners outside Tucson city limits.Who qualifies: Pima County homeowners with limited income who live outside Tucson city limits.Public housingFree service or coverageAffordable rental homes owned by local housing agencies, with rent based on your income.Who qualifies: Households with low income, seniors and people with disabilities; local housing agencies set income limits and waitlists.Senior property valuation protectionTax breakFreezes your home's taxable value so it doesn't rise while you qualify.Who qualifies: Homeowners 65 and older whose household income is under the county's limit.VA home loanLoan, must be repaidBuy a home with no down payment and no private mortgage insurance. Funding fee waived for disabled veterans.Who qualifies: Veterans, service members and some surviving spouses with enough service time.Weatherization Assistance ProgramFree moneyFree home energy improvements like insulation, AC repair and sealing to lower utility bills.Who qualifies: Homeowners and renters with low to moderate income; renters need landlord permission.Habitat for Humanity Tucson homeownershipLoan, must be repaidBuy a Habitat home with an affordable mortgage after helping build it.Who qualifies: Tucson-area families with limited income who can afford a modest mortgage and help build.Partial property tax exemption for disabled veteransTax breakA smaller reduction in assessed value based on your VA disability percentage.Who qualifies: Veterans with a VA disability rating below 100% who own their home and meet income and value limits.Property tax exemption for people with disabilitiesTax breakA reduction in your home's assessed value for totally and permanently disabled owners.Who qualifies: Homeowners who are totally and permanently disabled and meet income and value limits.USDA direct home loans for rural areasLoan, must be repaidLow-interest home loans with no down payment for families with low income in eligible rural areas.Who qualifies: Families with low income buying a home in an eligible rural area who can't get a regular mortgage.USDA home repair loans and grants (Section 504)ConditionalLow-interest repair loans, and repair grants for homeowners 62+, in eligible rural areas.Who qualifies: Homeowners in eligible rural areas with very low income; grants are for those 62+.VA adapted housing grantsFree moneyGrants to build, buy or modify a home for certain service-connected disabilities.Who qualifies: Veterans with specific serious service-connected disabilities, such as loss of mobility.Widow or widower property tax exemptionTax breakA reduction in your home's assessed value.Who qualifies: Widows and widowers who own their Arizona home and meet income and value limits.
Use the Arizona benefits finder to see which of these fit your situation.