AZ Homes by Payment

Homes for sale in Phoenix, AZ with monthly payment

Set your monthly budget and see Phoenix 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).

How much do homes cost in Phoenix, AZ?

Quick answer: In Phoenix, the median value of owner-occupied homes is $420,700, homeowners with a mortgage pay median monthly owner costs of $1,847, and median gross rent is $1,582, according to the U.S. Census Bureau (ACS 2020–2024). These are area-wide medians, not listing prices, so compare current homes by monthly budget.

Source: U.S. Census Bureau, QuickFacts: Phoenix city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .

About Phoenix

Arizona's capital and largest city, spread across the Salt River Valley. Major routes include I-10, I-17, and Loop 101 and Loop 202, with Valley Metro Rail running through central Phoenix. Phoenix Sky Harbor International Airport sits just east of downtown, and the city includes 15 urban villages such as Ahwatukee Foothills, Deer Valley, and Laveen.

County: Maricopa.

Phoenix housing costs at a glance

Population1,665,481
Median value of owner-occupied homes$420,700
Median monthly owner costs (with a mortgage)$1,847
Median gross rent$1,582
Owner-occupied housing rate57.3%
Mean travel time to work25.6 minutes

Source: U.S. Census Bureau, QuickFacts: Phoenix 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.

Search Phoenix homes by monthly budget

See how each monthly budget compares with Phoenix's Census rent and owner-cost medians:

More on buying in Phoenix

Loan options in Phoenix

Maricopa County loan limits · all 15 counties. Pam Messina (NMLS #245626) can talk through which loan types could fit a Phoenix 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 Phoenix?

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.

See Phoenix 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 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

What clients say about Rebel Rate Mortgage

5.0 from 75 Google reviews

Reviews from Rebel Rate Mortgage's Google Business Profile. Individual results vary. Read all 37 reviews on this site.

Local questions in Phoenix

Nearby places

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Sources

Frequently asked questions

What is the median home value in Phoenix?

The Census Bureau's median value of owner-occupied homes in Phoenix is $420,700 (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 Phoenix?

Census figures show a median gross rent of $1,582 and median monthly owner costs with a mortgage of $1,847. 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 Phoenix compare with Tucson?

The Census median value of owner-occupied homes is $420,700 in Phoenix vs. $266,200 in Tucson, and median gross rent is $1,582 vs. $1,145 (ACS 2020–2024 5-year estimates).

How long is the average commute in Phoenix?

The Census Bureau's mean travel time to work in Phoenix is 25.6 minutes (ACS 2020–2024 5-year estimates).

Can I see Phoenix homes that fit a specific monthly payment?

Yes. Open the search, set your monthly budget, and filter to Phoenix. Each listing shows an estimated payment. Estimates aren't a loan offer.

Which county is Phoenix in?

Phoenix is in Maricopa County.