Shop Payson homes by monthly payment: what each budget covers
Payson's median owner cost is $1,680 a month and median taxes about $149. 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.
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 Payson, AZ?
Quick answer: The Census median owner cost with a mortgage in Payson is $1,680, and median taxes run about $149 a month. The median tax is 0.47% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Payson town, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Tax lines that move Payson payments
Gila County's average total tax rate was 12.85 per $100 in FY2025-26 (9.39 primary plus 3.47 secondary), which is $273 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. Mobile and manufactured homes are 18% of Payson's housing units, next to 72% single-family detached, so check the home type on each listing; the value and tax medians here blend the types.
On owner costs, Payson ($1,680) lands between neighbors Cottonwood ($1,503) and Sedona ($2,213); on monthly taxes the three read $90, $149 and $264 in that order. Smaller homes carry much of the market: 36% of owner-occupied homes have two bedrooms or fewer, and only 14% have four or more. Median gross rent in Payson is $1,345, $335 below the $1,680 median owner cost with a mortgage, so a payment search starts above what the median renter pays.
Same price, different payment in Payson
The Census median real estate tax paid in Payson is $1,789 a year, or 0.47% of the median home value, which puts it 15th-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.
Census note: Payson is a small place, so the margin of error is wide on its median real estate taxes paid (±$247). Treat those figures as approximate (ACS 2020–2024 margins of error, retrieved October 10, 2026).
What each monthly budget covers in Payson
Census median monthly owner cost for Payson homeowners with a mortgage: $1,680, 27th-highest of 39 places (ACS 2020–2024). Only the $1,500 budget sits below the Payson median; the other four ($2,000 and up) are above it. Median real estate taxes come to about $149 a month, 9% of that owner-cost median.
| Budget | Vs. $1,680 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $180 below | 10% | $1,351 |
| $2,000/mo | $320 above | 7% | $1,851 |
| $2,500/mo | $820 above | 6% | $2,351 |
| $3,000/mo | $1,320 above | 5% | $2,851 |
| $4,000/mo | $2,320 above | 4% | $3,851 |
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 Payson
Among Payson's 3,142 owners with a mortgage, the largest group (38%) pays under $1,500 a month, and 11% pay $3,000 or more. On value, 41% of owner-occupied homes sit between $300,000 and $499,999, with 31% below that range and 28% above.
| Under $1,500 | $1,500 to $1,999 | $2,000 to $2,499 | $2,500 to $2,999 | $3,000 or more |
|---|---|---|---|---|
| 38% | 26% | 19% | 5% | 11% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Payson payments
36% of Payson's 6,229 owner-occupied homes have two or fewer bedrooms, 50% have three and 14% have four or more.
Places with owner costs closest to Payson's
| Place | Owner costs | Taxes a month | Vs. Payson |
|---|---|---|---|
| Payson | $1,680 | $149 | this page |
| Glendale | $1,705 | $134 | above Payson by $25 |
| Casa Grande | $1,635 | $123 | below Payson by $45 |
| Lake Havasu City | $1,627 | $146 | below Payson by $53 |
| Prescott Valley | $1,622 | $149 | below Payson by $58 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Payson: 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 Payson 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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Payson overview · Homes for sale in Payson · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Payson 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 Payson?
About $149 a month, from a Census median of $1,789 a year (ACS 2020–2024).
Why can two Payson 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 Payson is $1,789 a year, about 0.47% of the median home value, but individual homes pay more or less.
How does Payson compare with Glendale on owner costs?
Median monthly owner costs with a mortgage are $1,680 in Payson and $1,705 in Glendale (ACS 2020–2024), a difference of $25. Median monthly taxes are $149 and $134.