Arizona Mortgage Calculator 2026

Free Arizona mortgage calculator for 2026. Calculates true monthly payments including Arizona property tax (avg 0.01%), home insurance, and PMI using standard monthly compounding.

Arizona Average Property Tax Rate0.62%Annual % of assessed home value
Arizona Average Home Insurance$1,300/yr
2026 30-Year Fixed Mortgage Rate (Avg)6.55%
PMI Required WhenDown payment < 20%
PMI Average Cost~0.85% of loan/yr

Arizona 2026 Real Estate Cost Reference Table

CategoryArizona Average
Arizona Average Property Tax Rate0.62%
Arizona Average Home Insurance$1,300/yr
2026 30-Year Fixed Mortgage Rate (Avg)6.55%
PMI Required WhenDown payment < 20%
PMI Average Cost~0.85% of loan/yr
M
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Grand Real Estate & Mortgage Suite

Analyze complex home purchasing, debt reduction schemes, refinance viability thresholds, and rental opportunity cost models using certified regional compounding rules for USA and Canada.

Calculator Parameters

Adjust sliders or numbers to customize calculations

Region:
$
$50k$500k$1.0M$1.5M$2.0M
$90,000
5% Min10%20% (PMI Waiver)50%95% Max
%
Standard 30-yr conventional or 15-yr high-equity plans are fully supported.
Accelerated Amortizer
$

Add a principal-only extra payment monthly to simulate interest and time savings live.

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Calculation Breakdown & Analysis

Principal & Interest (P&I)$2,287
Property Tax (Estimated)$233
Home Insurance$108
True Monthly Payment$2,628
Payment Allocation
P&I Ratio87%
P & I ($2287)
Tax ($233)
Insurance ($108)
PMI/Extra ($0)
Active MetricUpdates dynamically with inputs
payment
True Monthly Cost$2,628Includes Principal, Interest, Tax & Insurance
Loan Amount$360,000
Active RegionAZ (Arizona)
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Disclaimer: Tools and templates on swiftutillity.com are for informational and educational use only and are not legal, tax, financial, payroll, or mortgage advice. See the full disclaimer.

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Frequently Asked Questions — Arizona Mortgage

What is the average property tax rate in Arizona?

The average effective property tax rate in Arizona is approximately 0.62% of the assessed home value annually (2026 estimate).

What is included in the 'True Monthly Payment' calculation?

The True Monthly Payment includes: (1) Principal & Interest — computed using standard monthly compounding, (2) Arizona property tax averaged monthly, (3) Home insurance estimate, and (4) PMI if the down payment is less than 20%.

What is PMI and when is it required?

PMI (Private Mortgage Insurance) is required by most US lenders when the down payment is less than 20% of the home's purchase price. It typically costs 0.5%–1.5% of the loan amount per year and protects the lender — not the buyer.

Is this mortgage calculator accurate for 2026?

Yes. swiftutillity's mortgage suite uses standard US monthly compounding, plus 2026 property tax averages and insurance cost estimates for Arizona. Results are indicative and should be confirmed with a licensed mortgage professional.