Total monthly cost of ownership
Cost to Own a Home in Pine, Arizona
A $417,000 home here costs
$3,028per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,144. The real number is $885 higher every month — 41% 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.
Pine against Gila County and Arizona
| Measure | Pine | Gila County |
|---|---|---|
| Median home value | $416,800 | $247,000 |
| Median property tax | $2,935 | $1,331 |
| Effective tax rate | 0.704% | 0.539% |
| Median gross rent | — | $1,001 |
| Population | 1,899 | 53,610 |
The weather behind that power bill
Pine sits in Gila County, which averages a high of 103.7°F in its hottest month and a low of 39.6°F in its coldest, with 15.91" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 3,559 cooling and 1,627 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Gila County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gila County
Common questions
How much does it cost to own a home in Pine?
A $417,000 home in Pine, Arizona costs approximately $3,028 per month with 20% down at 6.66%. That is $2,144 principal and interest, $245 property tax, $88 homeowners insurance, $205 utilities and $348 set aside for maintenance.
What is the property tax rate in Pine?
Pine has an effective property tax rate of 0.704%, based on a median home value of $416,800 and median real estate taxes of $2,935. That is higher than the Gila County average of 0.539%.
What is the average home price in Pine?
The median owner-occupied home value in Pine, Arizona is $416,800, against $247,000 across Gila County.
Is it cheaper to rent or buy in Pine?
Rent data is not published for Pine at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pine — 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.