Total monthly cost of ownership
Cost to Own a Home in San Carlos, Arizona
A $68,000 home here costs
$702per 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 $30,000 a year.
A standard mortgage calculator would have told you $371. The real number is $331 higher every month, 89% 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 San Carlos from a five-year rolling sample, and with about 4,769 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.
San Carlos against Gila County and Arizona
| Measure | San Carlos | Gila County |
|---|---|---|
| Median home value | $67,700 | $247,000 |
| Median property tax | — | $1,331 |
| Effective tax rate | 0.539% | 0.539% |
| Median gross rent | $397 | $1,001 |
| Population | 4,769 | 53,610 |
The weather behind that power bill
San Carlos 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 San Carlos 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 San Carlos every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in San Carlos?
A $68,000 home in San Carlos, Arizona costs approximately $702 per month with 20% down at 7.24%. That is $371 principal and interest, $31 property tax, $14 homeowners insurance, $230 utilities and $57 set aside for maintenance.
What is the property tax rate in San Carlos?
Place-level tax data is not published for San Carlos, so the Gila County rate of 0.539% applies here.
What is the average home price in San Carlos?
The median owner-occupied home value in San Carlos, Arizona is $67,700, against $247,000 across Gila County.
Is it cheaper to rent or buy in San Carlos?
Median gross rent in San Carlos is $397 a month, against $702 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 San Carlos?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in San Carlos, Arizona at today's rate takes a household income of roughly $30,000 a year. That covers the full $702 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for San Carlos, 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.