Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

85013 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 85013 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 85013 Hub
Est. Total Monthly Cost
$3,531
P&I Payment$3,097
Taxes & Ins$272
Utilities$162
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 85013 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$591,006
Local Median: $591,006
$118,201 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,531

Monthly Breakdown

Principal & Interest
$3,097
Property Taxes
$184
Homeowners Ins.
$88
Utilities
$162

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$642,169

Local Housing Facts for ZIP Code 85013

  • ·Median home value: $591,006 (adjusted for current market conditions)
  • ·Est. property taxes: $2,204/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,055/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,942/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in PHOENIX?

Based on the local median home value, estimated real estate property taxes in PHOENIX are around $2,204 per year.

What is the average home price in PHOENIX?

The median home value in PHOENIX is currently estimated at $591,006.

How much does homeowners insurance cost in PHOENIX?

For a median priced home, homeowners insurance in PHOENIX averages around $1,055 annually.

What is the true total cost of owning a home in PHOENIX?

True homeownership costs go beyond principal and interest. In PHOENIX, a typical homeowner with a median-priced home of $591,006 can expect to pay roughly $2,204/yr in property taxes, $1,055/yr for homeowners insurance, and $1,942/yr in energy utilities. That adds approximately $433 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.