Total monthly cost of ownership
Cost to Own a Home in Pine, Arizona
A $417,000 home here costs
$3,183per 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 $136,500 a year.
A standard mortgage calculator would have told you $2,273. The real number is $909 higher every month, 40% more than the payment most buyers budget for.
Compare Gila County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pine from a five-year rolling sample, and with about 1,899 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 Gila 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.
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 $162 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
Talk to someone who works this market
These are Pine 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 Pine every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Pine?
A $417,000 home in Pine, Arizona costs approximately $3,183 per month with 20% down at 7.24%. That is $2,273 principal and interest, $245 property tax, $88 homeowners insurance, $230 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.
What salary do you need to buy a home in Pine?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pine, Arizona at today's rate takes a household income of roughly $136,500 a year. That covers the full $3,183 monthly cost, not just the mortgage payment.
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.