Total monthly cost of ownership
Cost to Own a Home in San Tan Valley, Arizona
A $366,000 home here costs
$2,600per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,882. The real number is $719 higher every month — 38% 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.
San Tan Valley against Pinal County and Arizona
| Measure | San Tan Valley | Pinal County |
|---|---|---|
| Median home value | $365,900 | $312,100 |
| Median property tax | $1,585 | $1,615 |
| Effective tax rate | 0.433% | 0.517% |
| Median gross rent | $1,857 | $1,417 |
| Population | 105,231 | 449,219 |
The weather behind that power bill
San Tan Valley 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 $137 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
Common questions
How much does it cost to own a home in San Tan Valley?
A $366,000 home in San Tan Valley, Arizona costs approximately $2,600 per month with 20% down at 6.66%. That is $1,882 principal and interest, $132 property tax, $77 homeowners insurance, $205 utilities and $305 set aside for maintenance.
What is the property tax rate in San Tan Valley?
San Tan Valley has an effective property tax rate of 0.433%, based on a median home value of $365,900 and median real estate taxes of $1,585. That is lower than the Pinal County average of 0.517%.
What is the average home price in San Tan Valley?
The median owner-occupied home value in San Tan Valley, Arizona is $365,900, against $312,100 across Pinal County.
Is it cheaper to rent or buy in San Tan Valley?
Median gross rent in San Tan Valley is $1,857 a month, against $2,600 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 San Tan Valley — 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.