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85138 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 85138 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,734
P&I Payment$3,276
Taxes & Ins$260
Utilities$198
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Mortgage Details

$620,055
Local Median: $620,055
$124,011 (20%)
%

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

Local Area Costs

Monthly$3,734

Monthly Breakdown

Principal & Interest
$3,276
Property Taxes
$183
Homeowners Ins.
$76
Utilities
$198

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$683,164

Local Housing Facts for ZIP Code 85138

  • ·Median home value: $620,055 (adjusted for current market conditions)
  • ·Est. property taxes: $2,201/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $916/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,380/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 MARICOPA?

Based on the local median home value, estimated real estate property taxes in MARICOPA are around $2,201 per year.

What is the average home price in MARICOPA?

The median home value in MARICOPA is currently estimated at $620,055.

How much does homeowners insurance cost in MARICOPA?

For a median priced home, homeowners insurance in MARICOPA averages around $916 annually.

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

True homeownership costs go beyond principal and interest. In MARICOPA, a typical homeowner with a median-priced home of $620,055 can expect to pay roughly $2,201/yr in property taxes, $916/yr for homeowners insurance, and $2,380/yr in energy utilities. That adds approximately $458 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.