Total monthly cost of ownership
Cost to Own a Home in Mammoth, Arizona
A $98,000 home here costs
$865per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $504. The real number is $361 higher every month — 72% 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.
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 $137 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
Common questions
How much does it cost to own a home in Mammoth?
A $98,000 home in Mammoth, Arizona costs approximately $865 per month with 20% down at 6.66%. That is $504 principal and interest, $54 property tax, $21 homeowners insurance, $205 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 $865 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 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.