Shop Sedona homes by monthly payment: what each budget covers
Start from the monthly payment you want in Sedona. Median owner costs run $2,213 and median taxes about $264 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 Sedona, AZ?
Quick answer: The Census median owner cost with a mortgage in Sedona is $2,213, and median taxes run about $264 a month. The median tax is 0.40% of the median home value. Compare each home's own estimate; estimates are not a loan offer.
Source: U.S. Census Bureau, QuickFacts: Sedona city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated .
Two counties, one set of Sedona payments
Sedona spans Yavapai and Coconino counties, so the assessor, tax area and county average rate depend on the address. 1,260 of Sedona's housing units (19%) are held for seasonal, recreational or occasional use, so not every home in town is a year-round residence.
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. Sedona's median home value of $786,800 is $45,950 under the 2026 conforming loan limit of $832,750 (FHFA), so a typical-priced home is near the line where jumbo rules start. Sedona's median owner cost of $2,213 is above both of its closest neighbors here, Cottonwood at $1,503 and Flagstaff at $1,999, while median monthly taxes are $264 here, $90 in Cottonwood and $182 in Flagstaff.
Same price, different payment in Sedona
Taxes weigh lightly on Sedona owners: the Census median real estate tax paid is $3,164 a year, 0.40% of the median home value, 27th-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: Sedona is a small place, so the margin of error is wide on its median owner costs (±$285). Treat those figures as approximate (ACS 2020–2024 margins of error, retrieved October 10, 2026).
What each monthly budget covers in Sedona
Census median monthly owner cost for Sedona homeowners with a mortgage: $2,213, 6th-highest of 39 places (ACS 2020–2024). The Sedona 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 $264 a month, 12% of that owner-cost median.
| Budget | Vs. $2,213 median | Tax share | Left after tax |
|---|---|---|---|
| $1,500/mo | $713 below | 18% | $1,236 |
| $2,000/mo | $213 below | 13% | $1,736 |
| $2,500/mo | $287 above | 11% | $2,236 |
| $3,000/mo | $787 above | 9% | $2,736 |
| $4,000/mo | $1,787 above | 7% | $3,736 |
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 Sedona
30% of Sedona's 1,560 owners with a mortgage pay $3,000 or more a month in owner costs, while 19% pay under $1,500. On value, 78% of owner-occupied homes are worth $500,000 or more, and 53% 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 |
|---|---|---|---|---|
| 19% | 25% | 15% | 11% | 30% |
Share of owners with a mortgage by monthly owner costs, Census ACS 2020–2024 (B25087, B25075).
Home sizes behind Sedona payments
37% of Sedona's 3,570 owner-occupied homes have two or fewer bedrooms, 48% have three and 15% have four or more.
Places with owner costs closest to Sedona's
| Place | Owner costs | Taxes a month | Vs. Sedona |
|---|---|---|---|
| Sedona | $2,213 | $264 | this page |
| Oro Valley | $2,201 | $307 | below Sedona by $12 |
| Gilbert | $2,174 | $201 | below Sedona by $39 |
| Fountain Hills | $2,146 | $202 | below Sedona by $67 |
| Anthem | $2,304 | $265 | above Sedona by $91 |
Census ACS 2020–2024 (B25088, B25103). Monthly taxes = annual median ÷ 12.
More on Sedona: 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 Sedona 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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Sedona overview · Homes for sale in Sedona · Homes by monthly budget · Property tax by city
Sources
- U.S. Census Bureau QuickFacts: Sedona 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 Sedona?
About $264 a month, from a Census median of $3,164 a year (ACS 2020–2024).
Why can two Sedona 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 Sedona is $3,164 a year, about 0.40% of the median home value, but individual homes pay more or less.
How does Sedona compare with Oro Valley on owner costs?
Median monthly owner costs with a mortgage are $2,213 in Sedona and $2,201 in Oro Valley (ACS 2020–2024), a difference of $12. Median monthly taxes are $264 and $307.