Yuma 4plexes: Your Guide to Buying a 4plex in Yuma
Yuma gives a house hacker a clear starting point: a city of about 105,227 people, a median household income of $71,828, and a typical home value of $293,382 in Yuma. The sections below walk through what those numbers mean for a four-unit purchase in Yuma, which loan types fit a Yuma buyer, and what daily life looks like in Yuma.
Yuma by the numbers
The Census Bureau puts Yuma at about 105,227 residents as of July 1, 2025. Median household income in Yuma is $71,828, and the typical home value in Yuma is $293,382 (Zillow ZHVI, September 2026). Those three Yuma figures set the frame: a sizable renter and buyer pool in Yuma, household earnings near $71,828 in Yuma, and home values in Yuma that an owner-occupant has to measure against local Yuma rents.
| Measure | Yuma | Phoenix (state capital) |
|---|---|---|
| Population, July 1, 2025 (Census Vintage 2025) | 105,227 | 1,665,481 |
| Median household income (ACS 2024 1-year, B19013) | $71,828 | $85,246 |
| Households earning under $50,000 | 35.5% | 27.2% |
| Households earning $50,000 to $99,999 | 33.1% | 30.7% |
| Households earning $100,000 to $199,999 | 24.4% | 29.3% |
| Households earning $200,000 or more | 7.0% | 12.9% |
| Median gross rent (ACS 2024 1-year, B25064) | $1,260 a month | $1,712 a month |
| Median earnings, workers 16+ (ACS 2024 1-year, B20017) | $40,141 | $46,176 |
| Typical home value (Zillow ZHVI, September 2026) | $293,382 | $404,067 |
Value relative to income is the buyer-side story in Yuma: the typical home value in Yuma of $293,382 is 4.1 times the median household income in Yuma of $71,828. Higher multiples in Yuma mean buyers in Yuma lean harder on financing and on rental income to make a purchase in Yuma work; lower multiples in Yuma leave more room for the numbers in Yuma to pencil out.
Financing a Yuma fourplex
Your loan type determines your down payment in Yuma, your monthly payment in Yuma, and sometimes whether the property in Yuma qualifies at all. The Loan Types page sets out FHA (3.5% down, 1-4 units) for Yuma, conventional (5% down, 2-4 units) for Yuma, VA (typically no down payment, eligible veterans) for Yuma, HomeReady and Home Possible (5% down, income-capped) for Yuma, and USDA (not for fourplexes in Yuma).
For a Yuma fourplex, the programs that fit a Yuma buyer are FHA at 3.5% down in Yuma, conventional at 5% down on an owner-occupied 2-4 unit property in Yuma, VA with typically no down payment for eligible veterans buying in Yuma, and HomeReady and Home Possible at 5% down for buyers in Yuma at or below 80% of area median income for Yuma.
What does not fit a Yuma fourplex: USDA loans are single-family only, so they cannot be used for a four-unit purchase in Yuma at all. Many state and local down payment assistance programs carry the same one-unit limit, so check any assistance program's property rules for Yuma before counting on it for a Yuma purchase.
In Yuma, 68.6% of households in Yuma earn under $100,000, which makes the income-capped GSE programs for Yuma worth a real look for a Yuma buyer. HomeReady caps qualifying income for Yuma at 80% of area median income and allows 5% down on a 2-4 unit home in Yuma; Home Possible works the same way for Yuma through Freddie Mac. Details for both programs for Yuma are on the Loan Types page.
Start with the Loan Types page for the full comparison for a Yuma purchase, then confirm your situation with a lender.
Life in Yuma as an owner-occupant
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The photo above shows The Yuma Territorial Prison in Yuma, Arizona. in Yuma. That is the kind of place tenants in Yuma come home to, and it is worth picturing your own building in Yuma in the same light: a place people in Yuma want to live, near the daily life of a city of about 105,227 people like Yuma.
Living in one unit of a Yuma fourplex means sharing walls, a yard, and a building in Yuma with three tenant households in Yuma. The rent figures in the stats table for Yuma show what housing costs look like in Yuma: a median gross rent in Yuma of $1,260 a month, against a median household income in Yuma of $71,828. An owner in Yuma who keeps the building in Yuma in good repair and prices rents in Yuma from real comps, not from hope, is the one whose tenants in Yuma stay.
Sources: U.S. Census Bureau, American Community Survey 2024 1-year estimates (tables B19001, B19013, B25064, B20017); Census Vintage 2025 population estimates, July 1, 2025; Zillow Research ZHVI, September 2026. Typical home value is the Zillow ZHVI modeled typical value, not a median sale price.