Shop Oro Valley homes by monthly payment: what each budget covers
Oro Valley's median owner cost is $2,201 a month and median taxes about $307. Start from the payment you want and see homes whose estimate fits. MABLS shows each home's payment from its real property tax and HOA data plus an insurance estimate.
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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.
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What does a monthly payment buy in Oro Valley, AZ?
Quick answer: The Census median owner cost with a mortgage in Oro Valley is $2,201, and median taxes run about $307 a month. The median tax is 0.77% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Oro Valley town, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Tax lines that move Oro Valley payments
Pima County's average total tax rate was 13.63 per $100 in FY2025-26 (8.85 primary plus 4.78 secondary), which is $351 a year more per $100,000 of limited value than Maricopa County's average of 10.12. It is an all-property average, so use it for direction, not for a particular home. FHFA's Tucson metro index changed +39.5% over five years and +1.9% over the last year (through 2026 Q2), 3.2 points ahead of the statewide five-year change of +36.3%. It measures repeat sales across the metro, not Oro Valley alone.
Oro Valley's median owner cost of $2,201 is above both of its closest neighbors here, Sierra Vista at $1,459 and Marana at $1,981, while median monthly taxes are $307 here, $120 in Sierra Vista and $286 in Marana. Median taxes equal 0.77% of median home value in Oro Valley, 2nd-highest of 39 places on this site for tax share.
Same price, different payment in Oro Valley
Oro Valley owners pay a heavier tax share than most: the Census median real estate tax is $3,686 a year, 0.77% of the median home value and 2nd-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 Oro Valley
Census median monthly owner cost for Oro Valley homeowners with a mortgage: $2,201, 7th-highest of 39 places (ACS 2020–2024). The Oro Valley median sits between the $2,000 and $2,500 budgets, with 2 budgets below it and 3 above. Median real estate taxes come to about $307 a month, 14% of that owner-cost median.
| Budget | Vs. $2,201 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $701 below | 20% | $1,193 |
| $2,000/mo | $201 below | 15% | $1,693 |
| $2,500/mo | $299 above | 12% | $2,193 |
| $3,000/mo | $799 above | 10% | $2,693 |
| $4,000/mo | $1,799 above | 8% | $3,693 |
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 Oro Valley
Among Oro Valley's 9,368 owners with a mortgage, the largest group (25%) pays $3,000 or more a month, and 25% pay $3,000 or more. On value, 46% of owner-occupied homes sit between $300,000 and $499,999, with 10% below that range and 44% above.
| Under $1,500 | $1,500 to $1,999 | $2,000 to $2,499 | $2,500 to $2,999 | $3,000 or more |
|---|---|---|---|---|
| 21% | 21% | 19% | 14% | 25% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Oro Valley payments
Among Oro Valley's 16,664 owner-occupied homes, 25% have two or fewer bedrooms, 36% have three and 38% have four or more. The median home dates to 1997.
Places with owner costs closest to Oro Valley's
| Place | Owner costs | Taxes a month | Vs. Oro Valley |
|---|---|---|---|
| Oro Valley | $2,201 | $307 | this page |
| Sedona | $2,213 | $264 | above Oro Valley by $12 |
| Gilbert | $2,174 | $201 | below Oro Valley by $27 |
| Fountain Hills | $2,146 | $202 | below Oro Valley by $55 |
| Anthem | $2,304 | $265 | above Oro Valley by $103 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Oro Valley: 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 Oro Valley 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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Oro Valley overview · Homes for sale in Oro Valley · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Oro Valley town, 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)
Frequently asked questions
What is the median monthly property tax for homeowners in Oro Valley?
About $307 a month, from a Census median of $3,686 a year (ACS 2020–2024).
Why can two Oro Valley 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 Oro Valley is $3,686 a year, about 0.77% of the median home value, but individual homes pay more or less.
How does Oro Valley compare with Sedona on owner costs?
Median monthly owner costs with a mortgage are $2,201 in Oro Valley and $2,213 in Sedona (ACS 2020–2024), a difference of $12. Median monthly taxes are $307 and $264.