Tools & Resources

Mortgage Calculator

Estimate your monthly payment, explore different scenarios, and understand what your Arizona home purchase will actually cost. No hidden fees, no pressure, just numbers.

Calculate Your Payment

$100K $1.5M
0% 50%
3% 10%

Estimated Monthly Payment

$2,412

Principal & Interest

$2,398

Est. Property Tax*

$383

Est. Home Insurance*

$160

HOA (typical)

$0 - $300

*Property tax estimated at 0.62% of home value (AZ avg). Insurance is illustrative. Actual costs vary.

Current Mortgage Rates

National averages from Freddie Mac's Primary Mortgage Market Survey, as of October 15, 2026. Rates change frequently; check with a lender for your personalized quote.

30-Year Fixed 7.40%
15-Year Fixed 6.71%
5/1 ARM Not published by PMMS

Freddie Mac discontinued its weekly 5/1 ARM national average in 2022. For ARM quotes, check with a lender. Source: Freddie Mac PMMS.

Tips for Arizona Buyers

  • Get pre-approved before house hunting. Sellers in competitive areas prioritize pre-approved buyers.
  • Arizona property taxes average 0.62%, well below the national average of 1.1%.
  • Factor in HOA fees. Many Arizona communities have HOAs ranging from $50 to $300+ per month.
  • Home insurance may cost more in Arizona due to heat and monsoon risk. Budget accordingly.

Have Questions About Financing?

Phil & Denise can connect you with trusted local lenders who specialize in Arizona home loans.

Talk to Phil or Denise