Total monthly cost of ownership
Cost to Own a Home in Pima, Arizona
A $262,000 home here costs
$1,928per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,347. The real number is $581 higher every month — 43% 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.
Pima against Graham County and Arizona
| Measure | Pima | Graham County |
|---|---|---|
| Median home value | $261,700 | $202,700 |
| Median property tax | $1,232 | $1,094 |
| Effective tax rate | 0.471% | 0.540% |
| Median gross rent | $1,047 | $890 |
| Population | 2,910 | 38,860 |
The weather behind that power bill
Pima sits in Graham County, which averages a high of 100.9°F in its hottest month and a low of 33.6°F in its coldest, with 7.98" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 2,715 cooling and 2,175 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Graham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Graham County
Common questions
How much does it cost to own a home in Pima?
A $262,000 home in Pima, Arizona costs approximately $1,928 per month with 20% down at 6.66%. That is $1,347 principal and interest, $103 property tax, $55 homeowners insurance, $205 utilities and $218 set aside for maintenance.
What is the property tax rate in Pima?
Pima has an effective property tax rate of 0.471%, based on a median home value of $261,700 and median real estate taxes of $1,232. That is lower than the Graham County average of 0.540%.
What is the average home price in Pima?
The median owner-occupied home value in Pima, Arizona is $261,700, against $202,700 across Graham County.
Is it cheaper to rent or buy in Pima?
Median gross rent in Pima is $1,047 a month, against $1,928 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 Pima — 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.