Calculating your mortgage in Maricopa County requires precise local data. Property taxes in AZ can vary dramatically by county, heavily impacting your total monthly payment. We have configured this calculator to help you estimate your exact costs including local escrow requirements.
Whether you are buying a single-family home or a condo in Maricopa County, remember to factor in potential HOA fees and hazard insurance. Use the advanced options above to tailor the interest rate to what local lenders are currently offering.
Adjust your down payment to see how it shifts your loan-to-value (LTV) ratio and changes your monthly obligations in the Maricopa County market.
Better Mortgage6.69%
loanDepot6.82%
Chase Home Lending6.78%
Sample rates for illustration. MyMortgageOwl may receive compensation for referrals.
Median price and tax rate are estimates. Actual values vary by neighborhood, property type, and year. Always verify current tax assessments with the Maricopa County, AZ Assessor's office.
Buying a Home in Maricopa County, AZ
Maricopa County saw dramatic price appreciation 2020–2022, then a modest correction. Prices have since recovered. Low property taxes and no state transfer tax improve affordability.
Cost Breakdown for Maricopa County, AZ Buyers
Median home price: $420,000 (varies widely by neighborhood)
Property tax: ~0.60% of assessed value per year — $210/month on a $420,000 home
To comfortably qualify for a mortgage on a median-priced Maricopa County, AZ home with 20% down at 7%, you'd need a gross household income of approximately $112,304/year — assuming minimal other debts. Use the DTI calculator to model your specific situation.
Use the main mortgage calculator to enter the exact purchase price, your down payment, and the specific AZ tax rate for the property you're considering.
Property tax rates in Maricopa County, AZ average approximately 0.60% of assessed value per year, though rates vary by municipality and property type within the county. For precise figures, check the Maricopa County, AZ Assessor or Tax Collector website. Note that assessed value may differ from market value depending on local assessment practices.
Yes. In addition to state-level programs through the Arizona housing finance agency, many counties and cities have their own down payment assistance programs. Check the Arizona programs page for state-level options, and your city's housing department for local programs — these can often be stacked for maximum assistance.
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