Total monthly cost of ownership
Cost to Own a Home in Nogales, Arizona
A $173,000 home here costs
$1,353per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $464 higher every month — 52% 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.
Nogales against Santa Cruz County and Arizona
| Measure | Nogales | Santa Cruz County |
|---|---|---|
| Median home value | $172,800 | $216,100 |
| Median property tax | $942 | $1,387 |
| Effective tax rate | 0.545% | 0.642% |
| Median gross rent | $691 | $781 |
| Population | 19,753 | 48,209 |
The weather behind that power bill
Nogales sits in Santa Cruz County, which averages a high of 96.9°F in its hottest month and a low of 33.9°F in its coldest, with 14.62" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 1,977 cooling and 2,039 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Santa Cruz County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Santa Cruz County
Full Santa Cruz County cost breakdown · Every county in Arizona
Common questions
How much does it cost to own a home in Nogales?
A $173,000 home in Nogales, Arizona costs approximately $1,353 per month with 20% down at 6.66%. That is $889 principal and interest, $79 property tax, $36 homeowners insurance, $205 utilities and $144 set aside for maintenance.
What is the property tax rate in Nogales?
Nogales has an effective property tax rate of 0.545%, based on a median home value of $172,800 and median real estate taxes of $942. That is lower than the Santa Cruz County average of 0.642%.
What is the average home price in Nogales?
The median owner-occupied home value in Nogales, Arizona is $172,800, against $216,100 across Santa Cruz County.
Is it cheaper to rent or buy in Nogales?
Median gross rent in Nogales is $691 a month, against $1,353 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 Nogales — 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.