Arizona (AZ) · West Real Estate Profile
Arizona Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Arizona. In Arizona, the effective statewide property tax rate averages 0.60% and homeowners insurance averages 0.45% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.60%
Homeowners Insurance0.45%
Median Home Price$430,000
Conforming Loan Limit$766,550
Property Tax Context for Arizona: At 0.60%, a median-priced home of $430,000 pays roughly $2,580 per year in property taxes ($215/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Arizona Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Arizona residents.
Monthly Payment Benchmarks in Arizona (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | AZ Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $94/mo | $1,112/mo | $48,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $156/mo | $1,854/mo | $79,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $219/mo | $2,595/mo | $111,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $281/mo | $3,336/mo | $143,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $344/mo | $4,078/mo | $175,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $469/mo | $5,561/mo | $238,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $625/mo | $7,414/mo | $318,000/yr | View schedule → |
Browse all 25 loan amounts in Arizona
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in AZ$741/mo$150k in AZ$1,112/mo$200k in AZ$1,483/mo$250k in AZ$1,854/mo$300k in AZ$2,224/mo$350k in AZ$2,595/mo$400k in AZ$2,966/mo$450k in AZ$3,336/mo$500k in AZ$3,707/mo$550k in AZ$4,078/mo$600k in AZ$4,449/mo$650k in AZ$4,819/mo$700k in AZ$5,190/mo$750k in AZ$5,561/mo$800k in AZ$5,932/mo$850k in AZ$6,302/mo$900k in AZ$6,673/mo$950k in AZ$7,044/mo$1 million in AZ$7,414/mo$1.1 million in AZ$8,156/mo$1.2 million in AZ$8,897/mo$1.3 million in AZ$9,639/mo$1.4 million in AZ$10,380/mo$1.5 million in AZ$11,122/mo$2 million in AZ$14,829/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →Montana (0.74% tax)View guide →
Closing Costs & Transfer Tax in Arizona
Flat $2 affidavit fee at recording; no ad valorem real estate transfer tax.