Total monthly cost of ownership
Cost to Own a Home in Duncan, Arizona
A $159,000 home here costs
$1,233per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $817. The real number is $416 higher every month — 51% 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.
Duncan against Greenlee County and Arizona
| Measure | Duncan | Greenlee County |
|---|---|---|
| Median home value | $159,200 | $136,300 |
| Median property tax | $541 | $489 |
| Effective tax rate | 0.340% | 0.359% |
| Median gross rent | $550 | $570 |
| Population | 1,063 | 9,452 |
The weather behind that power bill
Duncan sits in Greenlee County, which averages a high of 100.4°F in its hottest month and a low of 35.0°F in its coldest, with 17.02" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 2,895 cooling and 2,026 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Greenlee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Greenlee County
Full Greenlee County cost breakdown · Every county in Arizona
Common questions
How much does it cost to own a home in Duncan?
A $159,000 home in Duncan, Arizona costs approximately $1,233 per month with 20% down at 6.66%. That is $817 principal and interest, $45 property tax, $33 homeowners insurance, $205 utilities and $133 set aside for maintenance.
What is the property tax rate in Duncan?
Duncan has an effective property tax rate of 0.340%, based on a median home value of $159,200 and median real estate taxes of $541. That is lower than the Greenlee County average of 0.359%.
What is the average home price in Duncan?
The median owner-occupied home value in Duncan, Arizona is $159,200, against $136,300 across Greenlee County.
Is it cheaper to rent or buy in Duncan?
Median gross rent in Duncan is $550 a month, against $1,233 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 Duncan — 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.