Total monthly cost of ownership
Cost to Own a Home in Cienega Springs, Arizona
A $177,000 home here costs
$1,496per 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 $64,000 a year.
A standard mortgage calculator would have told you $965. The real number is $531 higher every month, 55% more than the payment most buyers budget for.
Compare La Paz County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Cienega Springs from a five-year rolling sample, and with about 1,640 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 La Paz 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.
Cienega Springs against La Paz County and Arizona
| Measure | Cienega Springs | La Paz County |
|---|---|---|
| Median home value | $177,300 | $117,600 |
| Median property tax | $1,402 | $831 |
| Effective tax rate | 0.791% | 0.707% |
| Median gross rent | $912 | $735 |
| Population | 1,640 | 16,605 |
The weather behind that power bill
Cienega Springs sits in La Paz County, which averages a high of 108.7°F in its hottest month and a low of 38.8°F in its coldest, with 4.58" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 4,453 cooling and 1,256 heating degree days, which is what sets the $162 electricity line above.
See the full climate breakdown for La Paz County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in La Paz County
Talk to someone who works this market
These are Cienega Springs 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 Cienega Springs every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Cienega Springs?
A $177,000 home in Cienega Springs, Arizona costs approximately $1,496 per month with 20% down at 7.24%. That is $965 principal and interest, $117 property tax, $37 homeowners insurance, $230 utilities and $148 set aside for maintenance.
What is the property tax rate in Cienega Springs?
Cienega Springs has an effective property tax rate of 0.791%, based on a median home value of $177,300 and median real estate taxes of $1,402. That is higher than the La Paz County average of 0.707%.
What is the average home price in Cienega Springs?
The median owner-occupied home value in Cienega Springs, Arizona is $177,300, against $117,600 across La Paz County.
Is it cheaper to rent or buy in Cienega Springs?
Median gross rent in Cienega Springs is $912 a month, against $1,496 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Cienega Springs?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cienega Springs, Arizona at today's rate takes a household income of roughly $64,000 a year. That covers the full $1,496 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cienega Springs, 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.