Total monthly cost of ownership
Cost to Own a Home in Kayenta, Arizona
A $38,000 home here costs
$459per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $195. The real number is $264 higher every month — 135% 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.
Kayenta against Navajo County and Arizona
| Measure | Kayenta | Navajo County |
|---|---|---|
| Median home value | $37,900 | $186,100 |
| Median property tax | — | $1,126 |
| Effective tax rate | 0.605% | 0.605% |
| Median gross rent | $786 | $832 |
| Population | 5,651 | 107,744 |
The weather behind that power bill
Kayenta sits in Navajo County, which averages a high of 94.6°F in its hottest month and a low of 21.7°F in its coldest, with 6.52" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,328 cooling and 4,330 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Navajo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Navajo County
Common questions
How much does it cost to own a home in Kayenta?
A $38,000 home in Kayenta, Arizona costs approximately $459 per month with 20% down at 6.66%. That is $195 principal and interest, $19 property tax, $8 homeowners insurance, $205 utilities and $32 set aside for maintenance.
What is the property tax rate in Kayenta?
Place-level tax data is not published for Kayenta, so the Navajo County rate of 0.605% applies here.
What is the average home price in Kayenta?
The median owner-occupied home value in Kayenta, Arizona is $37,900, against $186,100 across Navajo County.
Is it cheaper to rent or buy in Kayenta?
Median gross rent in Kayenta is $786 a month, against $459 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kayenta — 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.