Maricopa County, Arizona Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Maricopa County covers Phoenix, Mesa, Scottsdale, Glendale, Chandler, and Tempe—Arizona's dominant purchase market. This page overrides the statewide tax estimate with a Phoenix metro benchmark near 0.61%. On a $400,000 home, that is about $2,440 per year (~$203/month) before insurance. Use city pages for East Valley or Phoenix-specific notes while keeping this county rate for metro-wide comparisons.
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 · $178 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.
Maricopa County, Arizona Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Arizona
Maricopa County covers Phoenix, Mesa, Scottsdale, Glendale, Chandler, and Tempe—Arizona's dominant purchase market. This page overrides the statewide tax estimate with a Phoenix metro benchmark near 0.61%. On a $400,000 home, that is about $2,440 per year (~$203/month) before insurance. Use city pages for East Valley or Phoenix-specific notes while keeping this county rate for metro-wide comparisons.
Use this mortgage calculator for Maricopa County, 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: county
- Configured property tax rate: 0.61%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Maricopa County, Arizona
- Data level used: county. This page uses the most specific available data layer for Maricopa County, Arizona.
- Configured combined annual property tax rate: 0.61% 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 - 0.610%
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 Maricopa County, Arizona
Local home-purchase mortgage market context for Maricopa County, Arizona: in 2025 Home Mortgage Disclosure Act (HMDA) data, Maricopa County logged 76,842 final-action applications. The mortgage denial rate was 8.19% and the originated share was 71.91%.
| Metric | Maricopa County | State |
|---|---|---|
| Final-action applications | 76,842 | 133,774 |
| Mortgage denial rate | 8.19% | 8.74% |
| Originated share | 71.91% | 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 |
|---|---|---|---|
| Maricopa County (this page) | 0.61% | $203 | $2,326 |
| Coconino County | 0.63% | $210 | $2,333 |
| Pima County | 1.02% | $340 | $2,463 |
| Pinal County | 0.84% | $280 | $2,403 |
| Yavapai County | 0.60% | $200 | $2,323 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Maricopa County, 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.
What property tax rate does Maricopa County use?
Maricopa County uses a Phoenix metro property-tax benchmark of about 0.61% for planning. On a $400,000 home that equals roughly $2,440 annually or $203 monthly before homeowners insurance, PMI, or HOA dues. Individual cities and school districts can still move the final bill.
Why include a Maricopa County mortgage calculator?
Maricopa is Arizona's largest mortgage market and one of the largest county-level purchase markets in the U.S. Buyers comparing Phoenix metro cities need a shared tax baseline before drilling into Mesa, Phoenix, or Chandler pages. This calculator supplies that county layer with PITI, PMI, and amortization.
What is a sample Maricopa County PITI payment?
On a $400,000 home with 20% down at 6.5% for 30 years, principal and interest are about $2,023. Adding ~$203 tax and $100 insurance brings estimated PITI near $2,326 without PMI. Change price or down payment to see how PMI and escrow shift across the metro.