Shop Prescott homes by monthly payment: what each budget covers
Start from the monthly payment you want in Prescott. Median owner costs run $1,867 and median taxes about $157 a month. MABLS shows each home's payment from its real property tax and HOA data plus an insurance estimate.
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.
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What does a monthly payment buy in Prescott, AZ?
Quick answer: The Census median owner cost with a mortgage in Prescott is $1,867, and median taxes run about $157 a month. The median tax is 0.33% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Prescott city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Tax lines that move Prescott payments
At 8.58 per $100 in FY2025-26 (5.79 primary plus 2.60 secondary), Yavapai County's average total rate sits $154 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. FHFA's Prescott Valley-Prescott metro index changed +34.5% over five years and −0.7% over the last year (through 2026 Q2), 1.8 points behind the statewide five-year change of +36.3%. It measures repeat sales across the metro, not Prescott alone.
On owner costs, Prescott ($1,867) lands between neighbors Cottonwood ($1,503) and Sedona ($2,213); on monthly taxes the three read $90, $157 and $264 in that order. Median taxes equal 0.33% of median home value in Prescott, 37th-highest of 39 places on this site for tax share. By price Prescott is 9th-highest of 39 places on median home value ($564,100), yet 16th-highest on median owner cost ($1,867), so a payment list puts it lower than a price list would.
Same price, different payment in Prescott
Taxes weigh lightly on Prescott owners: the Census median real estate tax paid is $1,885 a year, 0.33% of the median home value, 37th-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 Prescott
Census median monthly owner cost for Prescott homeowners with a mortgage: $1,867, 16th-highest of 39 places (ACS 2020–2024). Only the $1,500 budget sits below the Prescott median; the other four ($2,000 and up) are above it. Median real estate taxes come to about $157 a month, 8% of that owner-cost median.
| Budget | Vs. $1,867 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $367 below | 10% | $1,343 |
| $2,000/mo | $133 above | 8% | $1,843 |
| $2,500/mo | $633 above | 6% | $2,343 |
| $3,000/mo | $1,133 above | 5% | $2,843 |
| $4,000/mo | $2,133 above | 4% | $3,843 |
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 Prescott
Among Prescott's 7,743 owners with a mortgage, the largest group (32%) pays under $1,500 a month, and 14% pay $3,000 or more. On value, 59% of owner-occupied homes are worth $500,000 or more, and 24% 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 |
|---|---|---|---|---|
| 32% | 23% | 18% | 13% | 14% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Prescott payments
Three bedrooms is the most common size among Prescott's 15,500 owner-occupied homes (52%), with 22% at four or more and 26% at two or fewer. The median home dates to 1992.
Places with owner costs closest to Prescott's
| Place | Owner costs | Taxes a month | Vs. Prescott |
|---|---|---|---|
| Prescott | $1,867 | $157 | this page |
| Surprise | $1,860 | $154 | below Prescott by $7 |
| Maricopa | $1,849 | $183 | below Prescott by $18 |
| Phoenix | $1,847 | $154 | below Prescott by $20 |
| Buckeye | $1,887 | $173 | above Prescott by $20 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Prescott: 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 Prescott 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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Prescott overview · Homes for sale in Prescott · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Prescott 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)
Frequently asked questions
What is the median monthly property tax for homeowners in Prescott?
About $157 a month, from a Census median of $1,885 a year (ACS 2020–2024).
Why can two Prescott 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 Prescott is $1,885 a year, about 0.33% of the median home value, but individual homes pay more or less.
How does Prescott compare with Surprise on owner costs?
Median monthly owner costs with a mortgage are $1,867 in Prescott and $1,860 in Surprise (ACS 2020–2024), a difference of $7. Median monthly taxes are $157 and $154.