Total monthly cost of ownership
Cost to Own a Home in Golden Shores, Arizona
A $207,000 home here costs
$1,565per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,064. The real number is $501 higher every month — 47% 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.
Golden Shores against Mohave County and Arizona
| Measure | Golden Shores | Mohave County |
|---|---|---|
| Median home value | $206,800 | $253,200 |
| Median property tax | $959 | $1,229 |
| Effective tax rate | 0.464% | 0.485% |
| Median gross rent | $929 | $1,047 |
| Population | 1,319 | 217,420 |
The weather behind that power bill
Golden Shores sits in Mohave County, which averages a high of 98.7°F in its hottest month and a low of 30.2°F in its coldest, with 8" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,174 cooling and 3,012 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Mohave County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mohave County
Common questions
How much does it cost to own a home in Golden Shores?
A $207,000 home in Golden Shores, Arizona costs approximately $1,565 per month with 20% down at 6.66%. That is $1,064 principal and interest, $80 property tax, $43 homeowners insurance, $205 utilities and $173 set aside for maintenance.
What is the property tax rate in Golden Shores?
Golden Shores has an effective property tax rate of 0.464%, based on a median home value of $206,800 and median real estate taxes of $959. That is lower than the Mohave County average of 0.485%.
What is the average home price in Golden Shores?
The median owner-occupied home value in Golden Shores, Arizona is $206,800, against $253,200 across Mohave County.
Is it cheaper to rent or buy in Golden Shores?
Median gross rent in Golden Shores is $929 a month, against $1,565 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 Golden Shores — 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.