Homes for sale in Surprise, AZ with monthly payment

Set your monthly budget and see Surprise 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 Surprise, AZ?

Quick answer: In Surprise, the median value of owner-occupied homes is $435,100, homeowners with a mortgage pay median monthly owner costs of $1,860, and median gross rent is $2,033, 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: Surprise city, Arizona (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Last updated October 4, 2026.

About Surprise

A Northwest Valley city along Grand Avenue (US 60) and Loop 303. Surprise Stadium hosts spring training, and the White Tank Mountains are visible to the southwest.

County: Maricopa.

Surprise housing costs at a glance

Population	175,304
Median value of owner-occupied homes	$435,100
Median monthly owner costs (with a mortgage)	$1,860
Median gross rent	$2,033
Owner-occupied housing rate	79.1%
Mean travel time to work	30.2 minutes

Source: U.S. Census Bureau, QuickFacts: Surprise 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 Surprise homes by monthly budget

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

Loan options in Surprise

FHA: The 2026 FHA limit for a one-unit home in Maricopa County is $557,750 (HUD). Surprise's Census median home value ($435,100) is $122,650 below that limit. FHA requirements.
Conventional: The 2026 conforming limit is $832,750 in every Arizona county (FHFA), $397,650 above Surprise's Census median home value ($435,100). Conventional loans above the limit are jumbo loans.
VA: With full entitlement there's no VA loan limit; with partial entitlement VA uses $832,750. Luke Air Force Base, in the West Valley is the closest major installation. VA eligibility and entitlement.
USDA: eligibility goes address by address on USDA's map, plus household income limits. How to check an address.
Self-employed: bank statement loans and other Non-QM options can document income without relying only on tax returns.
Already own in Surprise? The FHFA House Price Index for the Phoenix-Mesa-Chandler metro changed +35.8% over five years (through 2026 Q2). Equity matters for a refinance or HELOC.

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

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 Surprise 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 602-740-9664 Call Pam 602-460-4879 Text Pam Email Pam

Run your own numbers

Compare renting vs. owning in Arizona with your own rent, home price, and timeline
Estimate what waiting to buy could cost using your own assumptions
See how Phoenix-area home prices have changed (FHFA House Price Index, 1 to 20 years)

What clients say about Rebel Rate Mortgage

5.0 from 75 Google reviews

Exceptional service, great communication, down to earth and realistic expectations. Overall A+ service. Will recommend to family and friends.
Zach Z. · Google review
Had a great experience with Rebel rate mortgage. Seamless process and very professional!
Benjamin J. · Google review
Review mentions Pam Messina, NMLS #245626
Pam was awesome and so so so helpful! Made refinancing so smooth and easy!!!
JP B. · Google review

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

Local questions in Surprise

Nearby places

Compare all 40 Arizona cities

Sources

U.S. Census Bureau QuickFacts: Surprise city, Arizona (ACS 2020–2024 5-year estimates; population estimate V2025; retrieved September 25, 2026)
HUD, FHA Mortgage Limits lookup (Arizona, FHA Forward and Fannie/Freddie, CY2026) (limits effective January 1, 2026; retrieved October 1, 2026)
FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (retrieved October 1, 2026)
VA.gov, VA home loan entitlement and limits (last updated August 12, 2025; retrieved October 1, 2026)
U.S. Federal Housing Finance Agency, FHFA House Price Index datasets (All-Transactions Index, data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026)

Frequently asked questions

What is the median home value in Surprise?

The Census Bureau's median value of owner-occupied homes in Surprise is $435,100 (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 Surprise?

Census figures show a median gross rent of $2,033 and median monthly owner costs with a mortgage of $1,860. 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 Surprise compare with Phoenix?

The Census median value of owner-occupied homes is $435,100 in Surprise vs. $420,700 in Phoenix, and median gross rent is $2,033 vs. $1,582 (ACS 2020–2024 5-year estimates).

How long is the average commute in Surprise?

The Census Bureau's mean travel time to work in Surprise is 30.2 minutes (ACS 2020–2024 5-year estimates).

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

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

Which county is Surprise in?

Surprise is in Maricopa County.