Arizona Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Arizona has relatively low property taxes and no statewide real estate transfer tax. This state page uses a statewide planning estimate; county and city pages override that benchmark for the largest Arizona mortgage markets. On a $400,000 Arizona planning example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; at ~0.63% statewide property-tax planning rate, tax escrow is about $210/mo, for estimated PITI near $2,333 before PMI. Arizona has no state-level real estate transfer tax in this model; local property tax and insurance drive most of the monthly payment.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $184 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Arizona Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Arizona has relatively low property taxes and no statewide real estate transfer tax. This state page uses a statewide planning estimate; county and city pages override that benchmark for the largest Arizona mortgage markets. On a $400,000 Arizona planning example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; at ~0.63% statewide property-tax planning rate, tax escrow is about $210/mo, for estimated PITI near $2,333 before PMI. Arizona has no state-level real estate transfer tax in this model; local property tax and insurance drive most of the monthly payment.
Use this mortgage calculator for Arizona to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: state
- Configured property tax rate: 0.63%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Arizona
- Data level used: state. This page uses the most specific available data layer for Arizona.
- Configured combined annual property tax rate: 0.63% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: Arizona HOME Plus Down Payment Assistance.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Arizona Local Property Tax - 0.630%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- Arizona HOME Plus Down Payment Assistance - 4% of loan (requires: primary residence, income is below the program cap)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
2025 Local Home-Purchase Mortgage Market in Arizona
Local home-purchase mortgage market context for Arizona: in 2025 Home Mortgage Disclosure Act (HMDA) data, Arizona logged 133,774 final-action applications. The mortgage denial rate was 8.74% and the originated share was 71.04%.
| Metric | Arizona |
|---|---|
| Final-action applications | 133,774 |
| Mortgage denial rate | 8.74% |
| Originated share | 71.04% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Arizona (this page) | 0.63% | $210 | $2,333 |
| Arkansas | 0.62% | $207 | $2,329 |
| California | 1.00% | $333 | $2,456 |
| Colorado | 0.55% | $183 | $2,306 |
| Florida | 1.70% | $567 | $2,690 |
| Georgia | 1.05% | $350 | $2,473 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Arizona.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Arizona Department of Revenue property tax, Arizona Department of Revenue real estate transfer tax guidance, Arizona Industrial Development Authority HOME Plus. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- Arizona Department of Revenue property tax - verified May 15, 2026 - Official source for Arizona property-tax administration and local property-tax guidance.
- Arizona Department of Revenue real estate transfer tax guidance - verified May 15, 2026 - Official source used to model no statewide real estate transfer tax in Arizona.
- Arizona Industrial Development Authority HOME Plus - verified May 15, 2026 - Official program source for Arizona HOME Plus down payment assistance.
Frequently Asked Questions
Does Arizona charge a real estate transfer tax?
No statewide transfer tax is modeled for Arizona. Buyers should still budget for title, escrow, recording, and lender closing costs. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What Arizona assistance is modeled?
The state file models HOME Plus down payment assistance as a percentage of the loan for eligible primary-residence buyers. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What is a sample Arizona PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.63% statewide property-tax planning rate, monthly escrow is about $210; with $100 insurance, estimated PITI is about $2,333 without PMI. Drill into county or city calculators for address-level millage.
Does this mortgage calculator include taxes and insurance?
Yes. This calculator estimates your full monthly housing payment by combining principal and interest with property taxes, homeowners insurance, and PMI when your down payment is below 20%. The result reflects a PITI-style payment rather than principal and interest alone, which helps you compare homes and loan scenarios more realistically before talking to a lender.
When does PMI apply on a mortgage?
Private Mortgage Insurance (PMI) typically applies when your loan-to-value ratio exceeds 80%, meaning your down payment is less than 20% of the purchase price. PMI is usually added to the monthly payment until you reach sufficient equity. This calculator includes PMI in the estimate when your inputs trigger it, so you can see how a smaller down payment affects affordability.