Measured against area pay, Three Points costs less to live in than 86% of U.S. towns
It ranks #16 of 139 in Arizona for affordability. Up 1.6% in a year, 33% below the Arizona typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Tucson, AZ metro area ($70K). How TownRatings grades cost of living
Only 1 sale in September 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade compares costs with what households across the Tucson-area metro earn ($70K, Census 2020–24). The typical home costs 2.7 years of metro income, and 0% of renters pay 30% or more of income for housing.
In dollars
- $281Ktypical home, 33% below the Arizona typical homeZillow, September 2026
- $1,400a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 2.7 yrsof area income buys the typical home; the typical U.S. town: 3.3$70K, Tucson-area income
- 17%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 18%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Three Points
What’s behind Three Points’ grade
Measured against what households in the area earn, Three Points is more affordable than 86% of U.S. towns, #16 of 139 in Arizona. Rent pulls the grade down most; property tax holds it up.
Values have outpaced Arizona: the typical Three Points home is up 15.6% in five years, against 6.9% statewide (Zillow).
Up 15.6% in five years
Faster than Arizona (6.9%).
Show as a table
| January | Three Points | Arizona |
|---|---|---|
| 2017 | $154,000 | $227,000 |
| 2018 | $164,000 | $244,000 |
| 2019 | $172,000 | $263,000 |
| 2020 | $184,000 | $281,000 |
| 2021 | $208,000 | $324,000 |
| 2022 | $255,000 | $415,000 |
| 2023 | $258,000 | $428,000 |
| 2024 | $270,000 | $432,000 |
| 2025 | $275,000 | $433,000 |
| 2026 | $277,000 | $422,000 |
| September 2026 | $281,000 | $417,000 |
A typical Three Points home worth $149K in October 2016 is worth about $281K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A typical home costs 2.7 years of area income
The calculator starts from the area income the grade uses. Switch to Three Points’s own median, or type yours.
That covers a typical Three Points home, with $8K to spare.
A two-bedroom rents for about $1,400 a month here, $190 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Three Points’s typical property tax (0.49% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,400
Renters already here pay a median of $993, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Tucson, AZ MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Low tax bills, but a high tax rate
The median bill is $925, under the Arizona median of $1,879, because homes cost less. As a share of value it’s 0.49% a year, against 0.48% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
Three Points and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Three Points | A | $281K | $188K | 0.49% | $1,400 |
Questions about the cost of living in Three Points
Is Three Points expensive to live in?
Measured against what households in the area earn, Three Points costs less than 86% of U.S. towns: an A for cost of living, #16 of 139 in Arizona. The typical home costs 2.7 years of the median household income of the Tucson, AZ metro area ($70K).
How much does a house cost in Three Points?
About $281K, Zillow’s typical value for September 2026, up 1.6% in a year. The Arizona typical home is $417K.
What salary do you need to live in Three Points?
To buy the typical home with 20% down at 6.3%, about $68,000 a year, keeping the payment (about $1,590 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $56,000.
How much is rent in Three Points?
HUD puts a two-bedroom at about $1,400 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $993 (Census 2020–24).
What are property taxes in Three Points?
The median bill is $925 a year, 0.49% of the median home value (Arizona: $1,879, 0.48%), from the Census 2020–24.
Are home prices in Three Points going up?
Yes: up 1.6% in the past year and 15.6% in five years, against 6.9% across Arizona (Zillow).
Neighbors talk housing
What Three Points buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.