Arizona Mortgage Calculator
Arizona has the 4th-lowest effective property tax rate of the 50 states at 0.48% — $1,797 less a year than the 0.91% state average on a $418,000 home. Homeowners insurance averages $2,344 a year, the 25th-lowest premium nationally and $376 less than the typical state.
All 15 Arizona counties use the $832,750 baseline conforming limit for 2026, so any one-unit loan above it is a jumbo loan. FHA limits run from $541,287 to $832,750 by county.
On a $418,000 home, property tax and insurance add $363 a month in Arizona, compared with $318 in Utah, $322 in Nevada, $396 in California, $459 in New Mexico, $588 in Colorado.
Loan Parameters
Total Monthly Payment
$3,099
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$527,565
Total Cost
$1,056,848
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $30,125 | $3,799 | $26,326 | $2,709 | $372,401 | $45,599 |
| Year 2 | $30,125 | $4,075 | $26,050 | $2,709 | $368,325 | $49,675 |
| Year 3 | $30,125 | $4,371 | $25,754 | $2,709 | $363,954 | $54,046 |
| Year 4 | $30,125 | $4,689 | $25,437 | $2,709 | $359,266 | $58,734 |
| Year 5 | $30,125 | $5,029 | $25,096 | $2,709 | $354,237 | $63,763 |
| Year 6 | $30,125 | $5,394 | $24,731 | $2,709 | $348,842 | $69,158 |
| Year 7 | $30,125 | $5,786 | $24,340 | $2,709 | $343,057 | $74,944 |
| Year 8 | $30,125 | $6,206 | $23,919 | $2,709 | $336,851 | $81,149 |
| Year 9 | $30,125 | $6,657 | $23,469 | $903 | $330,194 | $87,806 |
| Year 10 | $30,125 | $7,140 | $22,986 | — | $323,054 | $94,946 |
| Year 11 | $30,125 | $7,658 | $22,467 | — | $315,396 | $102,604 |
| Year 12 | $30,125 | $8,214 | $21,911 | — | $307,181 | $110,819 |
| Year 13 | $30,125 | $8,811 | $21,315 | — | $298,371 | $119,629 |
| Year 14 | $30,125 | $9,451 | $20,675 | — | $288,920 | $129,080 |
| Year 15 | $30,125 | $10,137 | $19,989 | — | $278,783 | $139,217 |
| Year 16 | $30,125 | $10,873 | $19,253 | — | $267,910 | $150,090 |
| Year 17 | $30,125 | $11,662 | $18,463 | — | $256,248 | $161,752 |
| Year 18 | $30,125 | $12,509 | $17,616 | — | $243,739 | $174,261 |
| Year 19 | $30,125 | $13,417 | $16,708 | — | $230,321 | $187,679 |
| Year 20 | $30,125 | $14,392 | $15,734 | — | $215,930 | $202,070 |
| Year 21 | $30,125 | $15,437 | $14,689 | — | $200,493 | $217,507 |
| Year 22 | $30,125 | $16,557 | $13,568 | — | $183,936 | $234,064 |
| Year 23 | $30,125 | $17,760 | $12,366 | — | $166,176 | $251,824 |
| Year 24 | $30,125 | $19,049 | $11,076 | — | $147,127 | $270,873 |
| Year 25 | $30,125 | $20,432 | $9,693 | — | $126,694 | $291,306 |
| Year 26 | $30,125 | $21,916 | $8,209 | — | $104,778 | $313,222 |
| Year 27 | $30,125 | $23,507 | $6,618 | — | $81,271 | $336,729 |
| Year 28 | $30,125 | $25,214 | $4,911 | — | $56,057 | $361,943 |
| Year 29 | $30,125 | $27,045 | $3,080 | — | $29,012 | $388,988 |
| Year 30 | $30,128 | $29,012 | $1,117 | — | $0 | $418,000 |
Arizona mortgage data
- Typical home value
- $417,990
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.48%
- $2,006/yr on a $418,000 home
- Average homeowners insurance
- $2,344/yr
- $195/mo
- 2026 conforming loan limit
- $832,750
- 15 counties
- High-cost counties
- 0
- None — baseline limit statewide
- 2026 FHA loan limit (1-unit)
- $541,287 – $832,750
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Arizona?
Highest price where principal, interest, Arizona property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $139,000 | $13,900 | 33% |
| $75,000 | $1,750 | $223,000 | $22,300 | 53% |
| $100,000 | $2,333 | $307,000 | $30,700 | 73% |
| $125,000 | $2,917 | $391,000 | $39,100 | 94% |
| $150,000 | $3,500 | $475,000 | $47,500 | 114% |
| $200,000 | $4,667 | $643,000 | $64,300 | 154% |
| $250,000 | $5,833 | $811,000 | $81,100 | 194% |
Arizona mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Arizona property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,271 | $55,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,451 | $63,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,630 | $70,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,809 | $78,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,989 | $86,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,168 | $93,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,347 | $101,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,527 | $109,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,706 | $116,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,885 | $124,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,065 | $132,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,244 | $140,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,423 | $147,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,603 | $155,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,782 | $163,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,961 | $170,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,141 | $178,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,320 | $186,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,499 | $193,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,679 | $201,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,858 | $209,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,037 | $216,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,217 | $224,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,396 | $232,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,575 | $239,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,755 | $247,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,934 | $255,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,113 | $262,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,293 | $270,000 | Jumbo |
| $875,000 mortgage | $5,839 | $6,472 | $278,000 | Jumbo |
| $900,000 mortgage | $6,006 | $6,651 | $286,000 | Jumbo |
| $925,000 mortgage | $6,173 | $6,831 | $293,000 | Jumbo |
| $950,000 mortgage | $6,340 | $7,010 | $301,000 | Jumbo |
| $975,000 mortgage | $6,506 | $7,189 | $309,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $7,369 | $316,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $8,086 | $347,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $8,803 | $378,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $9,520 | $409,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,238 | $439,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,955 | $470,000 | Jumbo |
Loan programs compared in Arizona
$418,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $41,800 | $376,200 | — | $226 PMI | $3,099 | 7.488% |
| FHA | 3.5% · $14,630 | $410,429 | UFMIP $7,059 | $187 MIP | $3,289 | 7.761% |
| VA | 0% · $0 | $426,987 | Funding fee $8,987 | $0 | $3,212 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $83,600 | $334,400 | — | $0 | $2,594 | 7.030% |
Frequently asked questions
What is the monthly mortgage payment on a $418,000 home in Arizona?
$418,000 is the typical Arizona home value. With 10% down on a conventional loan, the estimated payment is $3,099 per month ($2,510 principal & interest, $167 property tax, $195 insurance, $226 PMI) at 7.03% for 30 years, including Arizona's 0.48% effective property tax rate.
What is the 2026 conforming loan limit in Arizona?
$832,750 for a one-unit home in all 15 counties. Larger loans are jumbo loans.
How much income do I need for a $418,000 home in Arizona?
About $133,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Arizona on a $100,000 salary?
About $307,000 with 10% down, keeping the payment (including Arizona property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Arizona home ($417,990) needs roughly $133,000 a year.
Explore related calculators
Arizona calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.