Homes for sale in Flagstaff, AZ with monthly payment
Set your monthly budget and see Flagstaff homes with an estimated payment for each listing.
Two ways to start
- Search homes by 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 the MABLS home search. 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.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Pam Messina at Rebel Rate Mortgage. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your home search, so the homes you see match what you qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
What does it cost to own a home in Flagstaff?
Quick answer: Flagstaff's Census median home value is $552,900, and owners pay a median $2,181 a year in real estate taxes (ACS 2020–2024). The city's own FY2026-27 tax rates are 0.6207 primary and 0.7600 secondary per $100, and Coconino County's average total rate was 8.54, below the state's 10.56.
Source: City of Flagstaff, FY2026-27 budget forms; Pinal County, county average rates (2026 ADOR Final Abstract). Last updated .
About Flagstaff
A northern Arizona mountain city at about 7,000 feet, at the junction of I-17 and I-40. It's home to Northern Arizona University and Lowell Observatory, and the San Francisco Peaks and Arizona Snowbowl rise to the north.
County: Coconino.
Flagstaff housing costs at a glance
| Population | 77,260 |
|---|---|
| Median value of owner-occupied homes | $552,900 |
| Median monthly owner costs (with a mortgage) | $1,999 |
| Median gross rent | $1,645 |
| Owner-occupied housing rate | 42.3% |
| Mean travel time to work | 16.5 minutes |
Source: U.S. Census Bureau, QuickFacts: Flagstaff city, Arizona (population estimate V2025; housing figures from the ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Figures are area-wide medians, not quotes.
What it costs to own in Flagstaff
- City tax rates. The City of Flagstaff's FY2026-27 rates are 0.6207 primary and 0.7600 secondary per $100 of assessed value, a combined 1.3807, down from 1.4045 (0.6045 and 0.8000) in FY2025-26 (City of Flagstaff budget forms; Coconino County FY2026 adopted rates).
- County context. Coconino County's average total rate across all property was 8.54 per $100 in FY2025-26, compared with 10.12 in Maricopa County and a 10.56 state average (2026 ADOR Final Abstract, via Pinal County).
- What owners pay. The Census median real estate tax in Flagstaff is $2,181 a year, on a median home value of $552,900. Only 42.3% of Flagstaff's occupied homes are owner-occupied, so most occupied homes are renter-occupied (ACS 2020–2024).
- Short commutes. Flagstaff's mean travel time to work is 16.5 minutes (ACS 2020–2024).
Flagstaff by ZIP
| ZIP | Median home value | Median taxes paid (yr) | Median owner costs with a mortgage (mo) | Mean commute (min) |
|---|---|---|---|---|
| 86001 | $589,100 | $2,277 | $1,955 | 15.5 |
| 86004 | $509,900 | $2,029 | $1,933 | 18.2 |
Source: U.S. Census Bureau, ACS 2020–2024 5-year, ZIP Code Tabulation Areas 86001 and 86004. ZIPs extend beyond city limits.
Winter matters when you shop
The City of Flagstaff's Winter Parking Ordinance bans parking on city streets and alleys from midnight to 7:00 a.m., November 1 through April 1, whether or not it's snowing. When comparing homes, count garage and driveway spaces for every vehicle in the household, not just street frontage.
Three steps from browsing to touring
- See the costs here, no signup. Every guide on this site is open, with no forms. Read the taxes, fees, and rules first.
- Search by payment, privately, on MABLS. Pick the monthly payment you're comfortable with. Each home shows its own property taxes, HOA dues, and insurance, so two homes at the same price can show different payments. It's a free account, and we never sell your information.Search Flagstaff homes by payment
Opens the MABLS home search. Payments shown there are estimates to help you search, not a loan offer or rate quote.
- Make it exact with Pam. Get pre-qualified with Pam Messina. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your MABLS search, so results match what you actually qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.Get pre-qualified with Pam (opens in a new tab)
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
We never sell your information · Only Rebel Rate Mortgage contacts you about a loan · We connect you with an agent only if you ask · Privacy policy
Search Flagstaff homes by monthly budget
See how each monthly budget compares with Flagstaff's Census rent and owner-cost medians:
- $1,500/mo in Flagstaff
- $2,000/mo in Flagstaff
- $2,500/mo in Flagstaff
- $3,000/mo in Flagstaff
- $4,000/mo in Flagstaff
More on buying in Flagstaff
- Homes for sale in Flagstaff, AZ: prices, taxes and costs from public data
- What a monthly payment buys in Flagstaff, AZ
Loan options in Flagstaff
- FHA: The 2026 FHA limit for a one-unit home in Coconino County is $609,500 (HUD). Flagstaff's Census median home value ($552,900) is $56,600 below that limit. FHA requirements.
- Conventional: The 2026 conforming limit is $832,750 in every Arizona county (FHFA), $279,850 above Flagstaff's Census median home value ($552,900). Conventional loans above the limit are jumbo loans.
- VA: With full entitlement there's no VA loan limit; with partial entitlement VA uses $832,750. VA eligibility and entitlement.
- USDA: eligibility goes address by address on USDA's map, plus household income limits. How to check an address.
- Self-employed: bank statement loans and other Non-QM options can document income without relying only on tax returns.
- Already own in Flagstaff? The FHFA House Price Index for the Flagstaff metro changed +46.7% over five years (through 2026 Q2). Equity matters for a refinance or HELOC.
Coconino County loan limits · all 15 counties. Pam Messina (NMLS #245626) can talk through which loan types could fit a Flagstaff purchase.
Sources: HUD FHA Mortgage Limits (CY2026); FHFA 2026 conforming loan limits; VA.gov entitlement and limits; FHFA HPI (released August 25, 2026); Census median value (ACS 2020–2024 5-year estimates). Retrieved October 1, 2026. Not a loan offer.
Why search by monthly budget in Flagstaff?
A monthly housing payment usually includes principal and interest plus property taxes and homeowners insurance, and can include mortgage insurance and HOA dues. The MABLS search estimates these for each listing so you can compare homes by payment rather than by price alone.
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 the MABLS home search. 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.
Prefer to talk it through? Pam Messina, NMLS #245626
Call office 602-740-9664Call Pam 602-460-4879Text PamEmail Pam
Run your own numbers
- Compare renting vs. owning in Arizona with your own rent, home price, and timeline
- Estimate what waiting to buy could cost using your own assumptions
- See how Arizona home prices have changed (FHFA House Price Index, 1 to 20 years)
What clients say about Rebel Rate Mortgage
Review mentions Pam Messina, NMLS #245626
Great experience with Pam Messina at Rebel Rate. She was extremely helpful throughout the process of my home purchase and with answering any questions I had. A lot of time and effort went into making it happen.
Stefan G. · Google review
Exceptional service, great communication, down to earth and realistic expectations. Overall A+ service. Will recommend to family and friends.
Zach Z. · Google review
Had a great experience with Rebel rate mortgage. Seamless process and very professional!
Benjamin J. · Google review
Reviews from Rebel Rate Mortgage's Google Business Profile. Individual results vary. Read all 37 reviews on this site.
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Sources
- U.S. Census Bureau QuickFacts: Flagstaff city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
- City of Flagstaff, Official Budget Forms, Fiscal Year 2026-27 (Schedule B, tax levy and tax rate information) (retrieved October 4, 2026)
- Coconino County, Fiscal Year 2026 Adopted Property Tax Levies and Rates per $100 of Valuation (retrieved October 4, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates: B25077 (median home value), B25103 (median real estate taxes paid), B25088 (median owner costs with a mortgage), B08013/B08303 (mean travel time to work), B25003 (owner-occupied share), B01003 (population) (retrieved October 4, 2026)
- U.S. Census Bureau, 2020 cartographic boundary file, ZIP Code Tabulation Areas (cb_2020_us_zcta520_500k) (retrieved October 4, 2026)
- City of Flagstaff, Winter Parking Ordinance (retrieved October 4, 2026)
- HUD, FHA Mortgage Limits lookup (Arizona, FHA Forward and Fannie/Freddie, CY2026) (limits effective January 1, 2026; retrieved October 1, 2026)
- FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (retrieved October 1, 2026)
- VA.gov, VA home loan entitlement and limits (last updated August 12, 2025; retrieved October 1, 2026)
- U.S. Federal Housing Finance Agency, FHFA House Price Index datasets (All-Transactions Index, data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026)
Frequently asked questions
What is the property tax rate in Flagstaff, AZ?
The City of Flagstaff's FY2026-27 rates are 0.6207 primary and 0.7600 secondary per $100 of assessed value. A home's total rate also includes Coconino County, the school district, and other districts.
Are property taxes lower in Flagstaff than Phoenix?
On average, Coconino County's total rate (8.54 per $100 in FY2025-26) is below Maricopa County's (10.12). Flagstaff owners pay a median $2,181 a year, vs. $1,850 in Phoenix, on higher median home values.
Can I park on the street in Flagstaff in winter?
Not overnight. From November 1 to April 1, city streets and alleys are no-parking from midnight to 7:00 a.m., whether or not it's snowing, per the city's Winter Parking Ordinance.
What is the median home value in Flagstaff?
The Census Bureau's median value of owner-occupied homes in Flagstaff is $552,900 (ACS 2020–2024 5-year estimates). That's an area-wide median, and actual listing prices vary.
Is it cheaper to rent or own in Flagstaff?
Census figures show a median gross rent of $1,645 and median monthly owner costs with a mortgage of $1,999. These are medians across all households, including people who bought years ago, so they aren't a quote for a home you buy today.
How do housing costs in Flagstaff compare with Phoenix?
The Census median value of owner-occupied homes is $552,900 in Flagstaff vs. $420,700 in Phoenix, and median gross rent is $1,645 vs. $1,582 (ACS 2020–2024 5-year estimates).
How long is the average commute in Flagstaff?
The Census Bureau's mean travel time to work in Flagstaff is 16.5 minutes (ACS 2020–2024 5-year estimates).
Can I see Flagstaff homes that fit a specific monthly payment?
Yes. Open the search, set your monthly budget, and filter to Flagstaff. Each listing shows an estimated payment. Estimates aren't a loan offer.
Which county is Flagstaff in?
Flagstaff is in Coconino County.