Mortgage Calculator for Arizona
Estimate your monthly payment in Arizona using adjustable example inputs and official housing resources.
Enter Your Loan Details
Defaults are illustrative inputs, not local averages. Replace taxes, insurance and rate with property-specific estimates.
Planning a purchase in Arizona
The prefilled price, tax percentage, and interest rate are illustrative inputs, not verified Arizona averages or lender quotes. Replace them with the property's price, a local tax estimate, an insurance quote, and your lender's rate.
Limited property value differs from a sale price
Arizona distinguishes full cash value from limited property value. Limited property value is used for the residential property-tax base and its growth is constrained under state rules. A notice of value therefore cannot be read simply as a tax percentage of the asking price.
For your estimate: Request the parcel tax estimate from the county and use its annual dollar total to set the percentage field. Keep the actual purchase price in Home Price.
Arizona Revenue: property-tax system overviewCompare HOME Plus against using your own funds
Arizona IDA explains that a HOME Plus first-mortgage rate may be higher than the rate available when a buyer supplies their own down payment and closing costs. Assistance therefore needs a payment comparison, not just a cash-to-close comparison.
For your estimate: Run the lender quotes as separate scenarios using each actual rate and down payment. Ask about assistance repayment or forgiveness conditions before choosing the smaller upfront contribution.
Arizona IDA HOME Plus: buyer questionsLocal guidance reviewed . Confirm eligibility, funding and property-specific costs directly before making a decision.
Using local estimates in this tool
The tax field multiplies the home's price by a percentage. If your assessor estimates an annual tax bill, divide that bill by the entered home price and multiply by 100. Do not enter an assessment ratio or millage directly. For example, an illustrative $4,800 annual bill on a $400,000 price corresponds to 1.2%; these are not local averages.
This payment includes principal, interest, property tax and home insurance. Budget mortgage insurance, HOA dues, maintenance and closing costs separately.
Official resources and next steps
HUD housing and homeownership resources for Arizona provides further counseling and housing contacts.
For FHA financing, use HUD's county and unit-count lookup. Select Arizona, the property's county, the calendar year, and the number of units. The 2026 national one-unit floor of $541,287 is a baseline, not a determination of the limit for every county in Arizona.
HUD directory reviewed 2026-09-25. HUD state directory. Local figures are not represented as verified statistics.
Amortization Schedule
| Year | Principal Paid | Interest Paid | Tax Paid | Insurance Paid | Balance |
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How to Use This Mortgage Calculator in Arizona
Enter the price of the property you are considering in Arizona, then adjust the down payment and rate. The payment combines principal, interest, property tax, and insurance. It does not include HOA dues, maintenance, or mortgage insurance.
For example, at the illustrative price of $428,000 and 6% down, the base loan is $402,320. These are calculation examples, not a statement about prices or typical buyers in Arizona.
Compare the same home under different rates and down payments. A lower monthly payment from a longer term can still mean more lifetime interest. Confirm taxes and insurance for the property before relying on the estimate.