Estimate your monthly payment in Arizona. Uses 2026 average home prices ($380,000), 0.6% property tax, and programs for Phoenix, Tucson, and Scottsdale.
The average home price in Arizona is approximately $380,000 in 2026. With a standard 20% down payment of $76,000, your estimated monthly principal and interest on a 30-year loan at 6.8% would be around $1,982. Adding Arizona's 0.6% property tax and homeowner's insurance brings your total estimated monthly PITI to roughly $2,330.
Key markets include Phoenix, Tucson, and Scottsdale, each with varying price points. A 15-year loan at 6.3% would run approximately $2,615/month in P&I — higher payments but roughly half the lifetime interest cost. Adjust the sliders above to see how rate and term changes affect your payment instantly.
Arizona offers the HOME+PLUS Program for qualifying buyers. These programs typically provide down payment assistance, below-market interest rates, or both. Contact your state housing finance agency to check current income and purchase-price limits.
2026 Rate Tip: 30-year fixed rates average 6.5–7.5% in 2026. Even 0.25% lower saves roughly $22,800 over the loan's life. Get quotes from at least 3–5 lenders.
The average home price in Arizona is approximately $380,000 in 2026. Phoenix and Tucson tend to have higher prices than rural areas of the state.
Arizona's effective property tax rate is approximately 0.6%, which equals about $2,280/year or $190/month on a $380,000 home.
HOME+PLUS Program is available to qualifying buyers in Arizona and offers down payment assistance and/or below-market rates. Contact your state housing finance agency for details.