Arizona mortgage payment calculator: taxes, HOA, insurance and mortgage insurance

Build a full monthly payment estimate from numbers you enter. No interest rate is filled in for you.

Arizona mortgage payment calculator with taxes and HOA

Quick answer: A full Arizona monthly payment usually includes principal and interest, property taxes, homeowners insurance, HOA dues when they apply, mortgage insurance when the loan requires it, and sometimes a community tax or special district fee on the tax bill. Each home's own figures matter more than citywide averages, so treat calculator results as estimates, not a loan offer.

Source: Maricopa County Assessor, 2026 tax rate tables; see also how Arizona property taxes are calculated. Last updated October 13, 2026.

Home price ($)Example price. Change it to a home you're considering. Down payment ($)Enter your own amount. Leave at 0 to model a full-price loan. Interest rate (%)Required. Left blank on purpose — type one yourself, for example from a Loan Estimate. Example only, not a quote. Loan term to model City tax preset (Maricopa County 2026)Choosing a city fills an estimated yearly tax from that city's midpoint residential rate on the Maricopa County 2026 table, treating the price as limited property value. Always replace it with the parcel's real tax bill. Property taxes ($ per year)Pick a city above or type the yearly tax from the listing or county treasurer. Homeowners insurance ($ per year)Example. Get a quote for the specific home. HOA dues ($ per month)Enter the home's dues, or 0 if none. Mortgage insurance ($ per month)Enter the amount from a Loan Estimate, or 0 if it doesn't apply. It varies by loan type and down payment.

Estimates for illustration only. Results are based entirely on the numbers you enter. They aren't a loan offer, rate quote, pre-qualification, or approval, and they aren't a prediction or promise of future home values. Past performance doesn't guarantee future results; home values can go down as well as up.

What goes into an Arizona payment

Principal and interest — the loan payment, using the rate and term you type.
Property taxes — based on limited property value and the tax area's rates; some homes also carry a community tax or special district fee on the bill. See how Arizona property taxes are calculated.
Homeowners insurance — required by most lenders; get a quote for the address.
HOA dues — common in many Arizona communities; confirm before you offer.
Mortgage insurance — when the loan requires it; see what mortgage insurance is.

For community fees and extra tax lines on the bill, use the HOA and special district tax lookup.

Why averages can be off for a specific home

Two homes at the same price can have very different monthly costs once taxes and HOA dues are included. Neighborhood examples: Eastmark in Mesa and Verrado in Buckeye show how special district tax lines and association dues change ownership costs. Citywide Census medians and midpoint tax rates are context only.

Skip the math: see homes that already fit

Search by the monthly budget you're comfortable with. Each listing's estimate uses that home's own taxes, HOA dues, and insurance.

See homes at my payment

Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.

Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.

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Sources

Maricopa County, 2026 Tax Rates (rates per $100 of assessed value by tax area, school, city, fire, and special districts) (tax year 2026; retrieved October 4, 2026)
Consumer Financial Protection Bureau, What is an escrow or impound account? (last reviewed Sep 11, 2024)
Consumer Financial Protection Bureau, What is private mortgage insurance? (last reviewed Aug 28, 2023)

Frequently asked questions

Arizona mortgage payment calculator with taxes and HOA — what does it include?

Principal and interest from the rate and term you type, plus yearly property taxes divided by 12, yearly homeowners insurance divided by 12, monthly HOA dues, and monthly mortgage insurance if you enter them.

Does this calculator use today's mortgage rates?

No. The interest rate field starts blank on purpose. Type a rate yourself, for example from a Loan Estimate. The result is an illustration, not a quote or loan offer.

How does the city tax preset work?

For selected Maricopa County cities it uses the midpoint of that city's 2026 residential tax-area rates and treats your entered price as limited property value. Real bills use the parcel's limited property value and exact tax area, and may include special district fees.

Why isn't mortgage insurance calculated automatically?

It depends on the loan type, down payment, and lender pricing. Enter the monthly amount from a Loan Estimate, or 0 if it doesn't apply.