Total monthly cost of ownership
Cost to Own a Home in Eagar, Arizona
A $231,000 home here costs
$1,779per 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 $76,000 a year.
A standard mortgage calculator would have told you $1,259. The real number is $519 higher every month, 41% 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 Eagar from a five-year rolling sample, and with about 4,410 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.
Eagar against Apache County and Arizona
| Measure | Eagar | Apache County |
|---|---|---|
| Median home value | $231,100 | $68,500 |
| Median property tax | $581 | $574 |
| Effective tax rate | 0.251% | 0.838% |
| Median gross rent | $897 | $647 |
| Population | 4,410 | 65,680 |
The weather behind that power bill
Eagar 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 Eagar 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 Eagar every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Eagar?
A $231,000 home in Eagar, Arizona costs approximately $1,779 per month with 20% down at 7.24%. That is $1,259 principal and interest, $48 property tax, $49 homeowners insurance, $230 utilities and $193 set aside for maintenance.
What is the property tax rate in Eagar?
Eagar has an effective property tax rate of 0.251%, based on a median home value of $231,100 and median real estate taxes of $581. That is lower than the Apache County average of 0.838%.
What is the average home price in Eagar?
The median owner-occupied home value in Eagar, Arizona is $231,100, against $68,500 across Apache County.
Is it cheaper to rent or buy in Eagar?
Median gross rent in Eagar is $897 a month, against $1,779 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 Eagar?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Eagar, Arizona at today's rate takes a household income of roughly $76,000 a year. That covers the full $1,779 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Eagar, 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.