Total monthly cost of ownership
Cost to Own a Home in Saddlebrooke, Arizona
A $472,000 home here costs
$3,564per 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 $152,500 a year.
A standard mortgage calculator would have told you $2,573. The real number is $990 higher every month, 38% more than the payment most buyers budget for.
Compare Pinal County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Saddlebrooke against Pinal County and Arizona
| Measure | Saddlebrooke | Pinal County |
|---|---|---|
| Median home value | $471,700 | $312,100 |
| Median property tax | $3,217 | $1,615 |
| Effective tax rate | 0.682% | 0.517% |
| Median gross rent | $2,645 | $1,417 |
| Population | 12,616 | 449,219 |
The weather behind that power bill
Saddlebrooke sits in Pinal County, which averages a high of 104.9°F in its hottest month and a low of 41.3°F in its coldest, with 8.64" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,877 cooling and 1,157 heating degree days, which is what sets the $162 electricity line above.
See the full climate breakdown for Pinal County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pinal County
Talk to someone who works this market
These are Saddlebrooke 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 Saddlebrooke every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Saddlebrooke I already own here and may sell
Common questions
How much does it cost to own a home in Saddlebrooke?
A $472,000 home in Saddlebrooke, Arizona costs approximately $3,564 per month with 20% down at 7.24%. That is $2,573 principal and interest, $268 property tax, $99 homeowners insurance, $230 utilities and $393 set aside for maintenance.
What is the property tax rate in Saddlebrooke?
Saddlebrooke has an effective property tax rate of 0.682%, based on a median home value of $471,700 and median real estate taxes of $3,217. That is higher than the Pinal County average of 0.517%.
What is the average home price in Saddlebrooke?
The median owner-occupied home value in Saddlebrooke, Arizona is $471,700, against $312,100 across Pinal County.
Is it cheaper to rent or buy in Saddlebrooke?
Median gross rent in Saddlebrooke is $2,645 a month, against $3,564 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Saddlebrooke?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Saddlebrooke, Arizona at today's rate takes a household income of roughly $152,500 a year. That covers the full $3,564 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Saddlebrooke, 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.