FHA Loan Calculator — Arizona
On the typical Arizona home ($418,000), 3.5% down leaves a $403,370 base loan. The 1.75% upfront premium ($7,059) is financed, for a $410,429 loan, and annual MIP of 0.55% adds $187 a month for the life of the loan. Arizona FHA limits run $541,287–$832,750 by county.
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.
Loan Parameters
Total Monthly Payment
$3,289
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$575,562
Total Cost
$1,161,532
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $32,866 | $4,145 | $28,721 | $2,247 | $406,284 | $11,716 |
| Year 2 | $32,866 | $4,446 | $28,420 | $2,223 | $401,838 | $16,162 |
| Year 3 | $32,866 | $4,769 | $28,097 | $2,198 | $397,069 | $20,931 |
| Year 4 | $32,866 | $5,115 | $27,751 | $2,171 | $391,953 | $26,047 |
| Year 5 | $32,866 | $5,487 | $27,380 | $2,142 | $386,467 | $31,533 |
| Year 6 | $32,866 | $5,885 | $26,981 | $2,111 | $380,582 | $37,418 |
| Year 7 | $32,866 | $6,312 | $26,554 | $2,077 | $374,269 | $43,731 |
| Year 8 | $32,866 | $6,771 | $26,096 | $2,042 | $367,499 | $50,501 |
| Year 9 | $32,866 | $7,262 | $25,604 | $2,003 | $360,236 | $57,764 |
| Year 10 | $32,866 | $7,790 | $25,077 | $1,962 | $352,447 | $65,553 |
| Year 11 | $32,866 | $8,355 | $24,511 | $1,918 | $344,092 | $73,908 |
| Year 12 | $32,866 | $8,962 | $23,905 | $1,870 | $335,130 | $82,870 |
| Year 13 | $32,866 | $9,613 | $23,254 | $1,819 | $325,517 | $92,483 |
| Year 14 | $32,866 | $10,311 | $22,556 | $1,765 | $315,206 | $102,794 |
| Year 15 | $32,866 | $11,059 | $21,807 | $1,706 | $304,147 | $113,853 |
| Year 16 | $32,866 | $11,862 | $21,004 | $1,643 | $292,285 | $125,715 |
| Year 17 | $32,866 | $12,724 | $20,143 | $1,576 | $279,561 | $138,439 |
| Year 18 | $32,866 | $13,647 | $19,219 | $1,504 | $265,914 | $152,086 |
| Year 19 | $32,866 | $14,638 | $18,228 | $1,426 | $251,275 | $166,725 |
| Year 20 | $32,866 | $15,701 | $17,165 | $1,343 | $235,574 | $182,426 |
| Year 21 | $32,866 | $16,841 | $16,025 | $1,254 | $218,733 | $199,267 |
| Year 22 | $32,866 | $18,064 | $14,802 | $1,158 | $200,669 | $217,331 |
| Year 23 | $32,866 | $19,376 | $13,491 | $1,055 | $181,293 | $236,707 |
| Year 24 | $32,866 | $20,783 | $12,084 | $945 | $160,510 | $257,490 |
| Year 25 | $32,866 | $22,292 | $10,575 | $827 | $138,218 | $279,782 |
| Year 26 | $32,866 | $23,910 | $8,956 | $701 | $114,308 | $303,692 |
| Year 27 | $32,866 | $25,647 | $7,220 | $565 | $88,661 | $329,339 |
| Year 28 | $32,866 | $27,509 | $5,358 | $419 | $61,153 | $356,847 |
| Year 29 | $32,866 | $29,506 | $3,360 | $263 | $31,647 | $386,353 |
| Year 30 | $32,864 | $31,647 | $1,218 | $95 | $0 | $418,000 |
FHA Loan numbers for Arizona
- Typical Arizona home value
- $418,000
- 3.5% down ($14,630) · Zillow, August 31, 2026
- Loan amount
- $410,429
- Includes $7,059 financed UFMIP
- Estimated monthly payment
- $3,289
- APR 7.761%
- Arizona property tax
- 0.48%
- $167/mo
- Homeowners insurance
- $2,344/yr
- $195/mo
- Upfront MIP (1.75%)
- $7,059
- Financed into the loan
- Annual MIP
- 0.55%
- $187/mo in year 1 · life of loan
- Arizona FHA loan limit
- $541,287 – $832,750
- One-unit, by county
How much house can you afford in Arizona with an fha loan?
Highest price where principal, interest, Arizona property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $99,000 | $3,465 | 24% |
| $50,000 | $1,167 | $131,000 | $4,585 | 31% |
| $60,000 | $1,400 | $162,000 | $5,670 | 39% |
| $75,000 | $1,750 | $210,000 | $7,350 | 50% |
| $100,000 | $2,333 | $288,000 | $10,080 | 69% |
| $125,000 | $2,917 | $367,000 | $12,845 | 88% |
| $150,000 | $3,500 | $446,000 | $15,610 | 107% |
FHA vs other loan types 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 payment on a $418,000 home with an fha loan in Arizona?
Estimated $3,289 per month ($2,739 principal & interest, $167 property tax, $195 insurance, $187 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Arizona for 2026?
Between $541,287 and $832,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.