Arizona Mortgage Calculator (2026)
Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29
Estimated PITI at the Arizona median home price of $453,000, 20% down, 30-year fixed at 7.32%: $2,806/mo. The tax line uses Maricopa County (Phoenix)'s effective rate of 0.44% and insurance of $1,800/yr — the calculator's default county. Buyer's transfer tax: no state transfer tax.
Payment calculator
Advanced — HOA & extra payments
Amortization
All three lines are running totals since the loan started — not a breakdown of the monthly payment.
What local costs matter in Arizona?
All 15 Arizona counties — property tax rates
| County | Effective tax rate | Property tax /mo | Insurance (est.) | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Maricopa County (Phoenix) | 0.44% | $$166 | $1,800/yr | ||||||||||||||||
| Pima County (Tucson) | 0.71% | $$268 | $1,700/yr | ||||||||||||||||
| Pinal County | 0.47% | $$177 | $1,750/yr | ||||||||||||||||
| Yavapai County (Prescott) | 0.41% | $$155 | $1,600/yr | ||||||||||||||||
| Coconino County (Flagstaff) | 0.46% | $$174 | $1,650/yr | ||||||||||||||||
| Apache County | 0.9% | $$340 | $1,800/yr | ||||||||||||||||
| Cochise County | 0.6% | $$227 | $1,800/yr | ||||||||||||||||
| Gila County | 0.51% | $$193 | $1,800/yr | ||||||||||||||||
| Graham County | 0.48% | $$181 | $1,800/yr | ||||||||||||||||
| Greenlee County | 0.33% | $$125 | $1,800/yr | ||||||||||||||||
| La Paz County | 0.64% | $$242 | $1,800/yr | ||||||||||||||||
| Mohave County | 0.44% | $$166 | $1,800/yr | ||||||||||||||||
Show all 15 counties
| |||||||||||||||||||
| Arizona state average | 0.48% | $$181 | $1,800/yr | ||||||||||||||||
† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.
How Arizona compares
Arizona's statewide average effective rate is 0.48% — the 46th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $453,000 home the calculator starts with, that is about $181 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.
A state average hides the part that changes the bill. The county rows above run from 0.33% in Greenlee County to 0.9% in Apache County — roughly $215 a month apart on the same $453,000 home. That is why the county picker moves the payment more than the state picker does.
Insurance is the other line that follows the address: this page prices $1,800 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.
The states nearest Arizona in the ranking are Idaho (0.49%) and Nevada (0.47%).
Arizona mortgage FAQ
How much down payment do I need to buy a house in Arizona?
Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.
Why do property taxes vary so much within Arizona?
Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Arizona state average is about 0.48%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.
When does PMI go away?
Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.
Does this calculator include home insurance for Arizona?
Yes. The calculator pre-fills a typical Arizona premium of about $1,800 per year and updates it when you switch counties. No hurricane exposure keeps premiums among the lowest in the country; the local risks are monsoon dust storms and flash floods — and flood is not covered by a standard policy. Get real quotes before budgeting.
More free mortgage tools
Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue