Total monthly cost of ownership
Cost to Own a Home in Pinon, Arizona
A $106,000 home here costs
$914per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $545. The real number is $369 higher every month — 68% 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.
Pinon against Navajo County and Arizona
| Measure | Pinon | Navajo County |
|---|---|---|
| Median home value | $105,900 | $186,100 |
| Median property tax | — | $1,126 |
| Effective tax rate | 0.605% | 0.605% |
| Median gross rent | $579 | $832 |
| Population | 1,183 | 107,744 |
The weather behind that power bill
Pinon sits in Navajo County, which averages a high of 94.6°F in its hottest month and a low of 21.7°F in its coldest, with 6.52" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,328 cooling and 4,330 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Navajo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Navajo County
Common questions
How much does it cost to own a home in Pinon?
A $106,000 home in Pinon, Arizona costs approximately $914 per month with 20% down at 6.66%. That is $545 principal and interest, $53 property tax, $22 homeowners insurance, $205 utilities and $88 set aside for maintenance.
What is the property tax rate in Pinon?
Place-level tax data is not published for Pinon, so the Navajo County rate of 0.605% applies here.
What is the average home price in Pinon?
The median owner-occupied home value in Pinon, Arizona is $105,900, against $186,100 across Navajo County.
Is it cheaper to rent or buy in Pinon?
Median gross rent in Pinon is $579 a month, against $914 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 Pinon — 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.