Shop Flagstaff homes by monthly payment: what each budget covers
Start from the monthly payment you want in Flagstaff. Median owner costs run $1,999 and median taxes about $182 a month. MABLS shows each home's payment from its real property tax and HOA data plus an insurance estimate.
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- 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.
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What does a monthly payment buy in Flagstaff, AZ?
Quick answer: The Census median owner cost with a mortgage in Flagstaff is $1,999, and median taxes run about $182 a month. The median tax is 0.39% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Flagstaff city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
What changes Flagstaff payments from one neighborhood to the next
Flagstaff levies its own tax: the city'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 in FY2025-26. Census ZIP figures show an in-city spread too: ZIP 86001's median home value is $589,100 and ZIP 86004's is $509,900 (ZIPs extend beyond city limits). At 8.54 per $100 in FY2025-26 (4.78 primary plus 3.75 secondary), Coconino County's average total rate sits $158 a year per $100,000 of limited value below Maricopa County's 10.12. It averages all property, so it points a direction without pricing any one home.
Buildings with five or more units make up 31% of housing, so confirm the dues on any attached home you consider. FHFA's Flagstaff metro index changed +46.7% over five years and +2.9% over the last year (through 2026 Q2), 10.4 points ahead of the statewide five-year change of +36.3%. It measures repeat sales across the metro, not Flagstaff alone.
Same price, different payment in Flagstaff
Taxes weigh lightly on Flagstaff owners: the Census median real estate tax paid is $2,181 a year, 0.39% of the median home value, 29th-highest of 39 places on this site for tax share. Two homes at the same price can still land on either side of that median, depending on the tax area and any district lines on the parcel.
What each monthly budget covers in Flagstaff
Census median monthly owner cost for Flagstaff homeowners with a mortgage: $1,999, 12th-highest of 39 places (ACS 2020–2024). Only the $1,500 budget sits below the Flagstaff median; the other four ($2,000 and up) are above it. Median real estate taxes come to about $182 a month, 9% of that owner-cost median.
| Budget | Vs. $1,999 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $499 below | 12% | $1,318 |
| $2,000/mo | $1 above | 9% | $1,818 |
| $2,500/mo | $501 above | 7% | $2,318 |
| $3,000/mo | $1,001 above | 6% | $2,818 |
| $4,000/mo | $2,001 above | 5% | $3,818 |
What is left must still cover principal and interest, insurance and dues. Medians include long-time owners, so this is not a quote.
How owner costs are spread in Flagstaff
The most common owner-cost band in Flagstaff is $1,500 to $1,999, at 27% of 7,845 mortgage holders; 23% pay less and 50% pay $2,000 or more. On value, 57% of owner-occupied homes are worth $500,000 or more, and 23% are worth $750,000 or more.
| Under $1,500 | $1,500 to $1,999 | $2,000 to $2,499 | $2,500 to $2,999 | $3,000 or more |
|---|---|---|---|---|
| 23% | 27% | 21% | 12% | 17% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Flagstaff payments
Three bedrooms is the most common size among Flagstaff's 12,079 owner-occupied homes (55%), with 30% at four or more and 15% at two or fewer.
Places with owner costs closest to Flagstaff's
| Place | Owner costs | Taxes a month | Vs. Flagstaff |
|---|---|---|---|
| Flagstaff | $1,999 | $182 | this page |
| Marana | $1,981 | $286 | below Flagstaff by $18 |
| Peoria | $1,958 | $180 | below Flagstaff by $41 |
| Chandler | $2,044 | $188 | above Flagstaff by $45 |
| Goodyear | $2,067 | $213 | above Flagstaff by $68 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Flagstaff: homes for sale and the city overview.
Data as of October 10, 2026. Figures are cited to the public sources listed below. General information for Arizona home shoppers, not a loan offer, rate quote, or commitment to lend.
See Flagstaff homes by the payment you want
Search with each home's own property taxes, HOA dues, and insurance built into the estimate. We never sell your information.
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.
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Flagstaff overview · Homes for sale in Flagstaff · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Flagstaff city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 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, ACS 2020–2024 5-year estimates, housing tables B25001, B25004, B25024, B25034, B25035, B25042 (via the Census Reporter API) (retrieved October 10, 2026)
- U.S. Census Bureau, ACS 2020–2024 5-year estimates, B25087 (selected monthly owner costs, housing units with a mortgage) and B25075 (value of owner-occupied homes) (retrieved October 10, 2026)
- Pinal County, FY2026-27 budget presentation (countywide average tax rates by county, citing the 2026 ADOR Final Abstract) (retrieved October 4, 2026)
- City of Flagstaff, Official Budget Forms, Fiscal Year 2026-27 (Schedule B, tax levy and tax rate information) (retrieved October 4, 2026)
Frequently asked questions
What is the median monthly property tax for homeowners in Flagstaff?
About $182 a month, from a Census median of $2,181 a year (ACS 2020–2024).
Why can two Flagstaff homes at the same price have different payments?
Each home has its own assessed value, tax area, dues and insurance estimate. The Census median tax paid in Flagstaff is $2,181 a year, about 0.39% of the median home value, but individual homes pay more or less.
How does Flagstaff compare with Marana on owner costs?
Median monthly owner costs with a mortgage are $1,999 in Flagstaff and $1,981 in Marana (ACS 2020–2024), a difference of $18. Median monthly taxes are $182 and $286.