Total monthly cost of ownership
Cost to Own a Home in Cienega Springs, Arizona
A $177,000 home here costs
$1,416per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $910. The real number is $506 higher every month — 56% 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.
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 $137 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
Common questions
How much does it cost to own a home in Cienega Springs?
A $177,000 home in Cienega Springs, Arizona costs approximately $1,416 per month with 20% down at 6.66%. That is $910 principal and interest, $117 property tax, $37 homeowners insurance, $205 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 $1,416 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 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.