Total monthly cost of ownership
Cost to Own a Home in Avra Valley, Arizona
A $156,000 home here costs
$1,257per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $802. The real number is $455 higher every month — 57% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Avra Valley against Pima County and Arizona
| Measure | Avra Valley | Pima County |
|---|---|---|
| Median home value | $156,200 | $286,900 |
| Median property tax | $1,048 | $2,248 |
| Effective tax rate | 0.671% | 0.784% |
| Median gross rent | — | $1,154 |
| Population | 6,364 | 1,049,947 |
The weather behind that power bill
Avra Valley sits in Pima County, which averages a high of 80.3°F in its hottest month and a low of 33.6°F in its coldest, with 19.91" of precipitation a year and 54% of it in a single three-month stretch. That climate drives 616 cooling and 3,992 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Pima County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pima County
Common questions
How much does it cost to own a home in Avra Valley?
A $156,000 home in Avra Valley, Arizona costs approximately $1,257 per month with 20% down at 6.66%. That is $802 principal and interest, $87 property tax, $33 homeowners insurance, $205 utilities and $130 set aside for maintenance.
What is the property tax rate in Avra Valley?
Avra Valley has an effective property tax rate of 0.671%, based on a median home value of $156,200 and median real estate taxes of $1,048. That is lower than the Pima County average of 0.784%.
What is the average home price in Avra Valley?
The median owner-occupied home value in Avra Valley, Arizona is $156,200, against $286,900 across Pima County.
Is it cheaper to rent or buy in Avra Valley?
Rent data is not published for Avra Valley at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Avra Valley — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Arizona.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.