Total monthly cost of ownership
Cost to Own a Home in Chinle, Arizona
A $38,000 home here costs
$503per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $21,500 a year.
A standard mortgage calculator would have told you $207. The real number is $296 higher every month, 143% more than the payment most buyers budget for.
Compare Apache County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Chinle from a five-year rolling sample, and with about 4,395 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Apache County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Chinle against Apache County and Arizona
| Measure | Chinle | Apache County |
|---|---|---|
| Median home value | $38,000 | $68,500 |
| Median property tax | — | $574 |
| Effective tax rate | 0.838% | 0.838% |
| Median gross rent | $504 | $647 |
| Population | 4,395 | 65,680 |
The weather behind that power bill
Chinle sits in Apache County, which averages a high of 90.4°F in its hottest month and a low of 18.9°F in its coldest, with 8.16" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 641 cooling and 5,275 heating degree days, which is what sets the $162 electricity line above.
See the full climate breakdown for Apache County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Apache County
Talk to someone who works this market
These are Chinle averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Chinle every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Chinle I already own here and may sell
Common questions
How much does it cost to own a home in Chinle?
A $38,000 home in Chinle, Arizona costs approximately $503 per month with 20% down at 7.24%. That is $207 principal and interest, $27 property tax, $8 homeowners insurance, $230 utilities and $32 set aside for maintenance.
What is the property tax rate in Chinle?
Place-level tax data is not published for Chinle, so the Apache County rate of 0.838% applies here.
What is the average home price in Chinle?
The median owner-occupied home value in Chinle, Arizona is $38,000, against $68,500 across Apache County.
Is it cheaper to rent or buy in Chinle?
Median gross rent in Chinle is $504 a month, against $503 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Chinle?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Chinle, Arizona at today's rate takes a household income of roughly $21,500 a year. That covers the full $503 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Chinle, 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.