Home Equity in Arizona: How Much Can You Cash Out? (2026)
With Arizona's median value near $430,000 and a typical $237,000 balance, homeowners can access about $128,500 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
Arizona home values have climbed, so your accessible equity may be larger than you expect — up to the 85% CLTV line.
Accessible equity by Arizona county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| Maricopa County | $460,000 | $138,000 |
| Pima County | $335,000 | $100,750 |
| Pinal County | $400,000 | $120,000 |
| Yavapai County | $430,000 | $128,500 |
| Cochise County | $430,000 | $128,500 |
| Navajo County | $430,000 | $128,500 |
| Apache County | $430,000 | $128,500 |
| Gila County | $430,000 | $128,500 |
| Santa Cruz County | $430,000 | $128,500 |
| Graham County | $430,000 | $128,500 |
| La Paz County | $430,000 | $128,500 |
| Greenlee County | $430,000 | $128,500 |
| Mohave County | $330,000 | $98,500 |
| Yuma County | $260,000 | $78,000 |
| Coconino County | $560,000 | $168,000 |
How to tap equity in Arizona
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
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Frequently Asked Questions
- How much home equity can I tap in Arizona?
- On a $430,000 home with a $237,000 balance, about $128,500 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in Arizona?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.