Total monthly cost of ownership
Cost to Own a Home in Mammoth, Arizona
A $98,000 home here costs
$920per 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 $39,500 a year.
A standard mortgage calculator would have told you $534. The real number is $386 higher every month, 72% more than the payment most buyers budget for.
Compare Pinal County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Mammoth from a five-year rolling sample, and with about 1,015 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 Pinal 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.
Mammoth against Pinal County and Arizona
| Measure | Mammoth | Pinal County |
|---|---|---|
| Median home value | $98,200 | $312,100 |
| Median property tax | $650 | $1,615 |
| Effective tax rate | 0.662% | 0.517% |
| Median gross rent | $980 | $1,417 |
| Population | 1,015 | 449,219 |
The weather behind that power bill
Mammoth sits in Pinal County, which averages a high of 104.9°F in its hottest month and a low of 41.3°F in its coldest, with 8.64" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,877 cooling and 1,157 heating degree days, which is what sets the $162 electricity line above.
See the full climate breakdown for Pinal County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pinal County
Talk to someone who works this market
These are Mammoth 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 Mammoth every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Mammoth I already own here and may sell
Common questions
How much does it cost to own a home in Mammoth?
A $98,000 home in Mammoth, Arizona costs approximately $920 per month with 20% down at 7.24%. That is $534 principal and interest, $54 property tax, $21 homeowners insurance, $230 utilities and $82 set aside for maintenance.
What is the property tax rate in Mammoth?
Mammoth has an effective property tax rate of 0.662%, based on a median home value of $98,200 and median real estate taxes of $650. That is higher than the Pinal County average of 0.517%.
What is the average home price in Mammoth?
The median owner-occupied home value in Mammoth, Arizona is $98,200, against $312,100 across Pinal County.
Is it cheaper to rent or buy in Mammoth?
Median gross rent in Mammoth is $980 a month, against $920 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Mammoth?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Mammoth, Arizona at today's rate takes a household income of roughly $39,500 a year. That covers the full $920 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mammoth, 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.