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Cost of Living in ZIP 85012

Is it better to rent or buy in ZIP 85012? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

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Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$93,229
$1,647/mo

Median in area: $1,647

$618,683

Median in area: $618,683

$123,737

If you Rent

🔑
$1,793 /mo
Base Rent$1,647
Est. Utilities$146
% of Income23.1%
Pre-tax Residual$5,976

If you Buy

🏠
$3,660 /mo
P&I (6.614%)$3,166
Taxes & Ins$348
Est. Utilities$146
% of Income47.1%
Pre-tax Residual$4,109

Compare Nearby Areas

See how ZIP 85012 stacks up against neighboring areas.

ZIP85018
$1,639/mo
ZIP85054
$2,354/mo
ZIP85045
$2,494/mo
ZIP85060
$1,731/mo
ZIP85028
$2,000/mo
ZIP85085
$2,057/mo
ZIP85050
$2,583/mo
ZIP85064
$1,691/mo
ZIP85083
$2,242/mo

Cost of Living FAQs

Is it cheaper to rent or buy in ZIP 85012?›

Based on median housing data, renting is currently more affordable on a monthly basis in ZIP 85012. The estimated all-in monthly cost for renting is $1,793, while owning a median-priced home with a 20% down payment is roughly $3,660 per month (a difference of $1,867).

How much do utilities cost in ZIP 85012?›

The average monthly utility cost (electricity and natural gas) for a typical home in ZIP 85012 is approximately $146. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in ZIP 85012?›

To comfortably afford the median rent and utilities in ZIP 85012 without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $71,720 per year.