Total monthly cost of ownership
Cost to Own a Home in Cactus Flats, Arizona
A $289,000 home here costs
$2,078per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,486. The real number is $592 higher every month — 40% 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.
Cactus Flats against Graham County and Arizona
| Measure | Cactus Flats | Graham County |
|---|---|---|
| Median home value | $288,600 | $202,700 |
| Median property tax | $1,024 | $1,094 |
| Effective tax rate | 0.355% | 0.540% |
| Median gross rent | $233 | $890 |
| Population | 1,550 | 38,860 |
The weather behind that power bill
Cactus Flats sits in Graham County, which averages a high of 100.9°F in its hottest month and a low of 33.6°F in its coldest, with 7.98" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 2,715 cooling and 2,175 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Graham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Graham County
Common questions
How much does it cost to own a home in Cactus Flats?
A $289,000 home in Cactus Flats, Arizona costs approximately $2,078 per month with 20% down at 6.66%. That is $1,486 principal and interest, $85 property tax, $61 homeowners insurance, $205 utilities and $241 set aside for maintenance.
What is the property tax rate in Cactus Flats?
Cactus Flats has an effective property tax rate of 0.355%, based on a median home value of $288,600 and median real estate taxes of $1,024. That is lower than the Graham County average of 0.540%.
What is the average home price in Cactus Flats?
The median owner-occupied home value in Cactus Flats, Arizona is $288,600, against $202,700 across Graham County.
Is it cheaper to rent or buy in Cactus Flats?
Median gross rent in Cactus Flats is $233 a month, against $2,078 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cactus Flats — 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.