Total monthly cost of ownership
Cost to Own a Home in St. Johns, Arizona
A $181,000 home here costs
$1,366per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $931. The real number is $436 higher every month — 47% 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.
St. Johns against Apache County and Arizona
| Measure | St. Johns | Apache County |
|---|---|---|
| Median home value | $180,900 | $68,500 |
| Median property tax | $505 | $574 |
| Effective tax rate | 0.279% | 0.838% |
| Median gross rent | $881 | $647 |
| Population | 3,409 | 65,680 |
The weather behind that power bill
St. Johns sits in Apache County, which averages a high of 90.4°F in its hottest month and a low of 18.9°F in its coldest, with 8.16" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 641 cooling and 5,275 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Apache County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Apache County
Common questions
How much does it cost to own a home in St. Johns?
A $181,000 home in St. Johns, Arizona costs approximately $1,366 per month with 20% down at 6.66%. That is $931 principal and interest, $42 property tax, $38 homeowners insurance, $205 utilities and $151 set aside for maintenance.
What is the property tax rate in St. Johns?
St. Johns has an effective property tax rate of 0.279%, based on a median home value of $180,900 and median real estate taxes of $505. That is lower than the Apache County average of 0.838%.
What is the average home price in St. Johns?
The median owner-occupied home value in St. Johns, Arizona is $180,900, against $68,500 across Apache County.
Is it cheaper to rent or buy in St. Johns?
Median gross rent in St. Johns is $881 a month, against $1,366 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 St. Johns — 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.