Total monthly cost of ownership
Cost to Own a Home in Swift Trail Junction, Arizona
A $184,000 home here costs
$1,429per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $946. The real number is $483 higher every month — 51% 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.
Swift Trail Junction against Graham County and Arizona
| Measure | Swift Trail Junction | Graham County |
|---|---|---|
| Median home value | $184,000 | $202,700 |
| Median property tax | $1,030 | $1,094 |
| Effective tax rate | 0.560% | 0.540% |
| Median gross rent | $873 | $890 |
| Population | 2,889 | 38,860 |
The weather behind that power bill
Swift Trail Junction sits in Graham County, which averages a high of 100.9°F in its hottest month and a low of 33.6°F in its coldest, with 7.98" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 2,715 cooling and 2,175 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Graham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Graham County
Common questions
How much does it cost to own a home in Swift Trail Junction?
A $184,000 home in Swift Trail Junction, Arizona costs approximately $1,429 per month with 20% down at 6.66%. That is $946 principal and interest, $86 property tax, $39 homeowners insurance, $205 utilities and $153 set aside for maintenance.
What is the property tax rate in Swift Trail Junction?
Swift Trail Junction has an effective property tax rate of 0.560%, based on a median home value of $184,000 and median real estate taxes of $1,030. That is higher than the Graham County average of 0.540%.
What is the average home price in Swift Trail Junction?
The median owner-occupied home value in Swift Trail Junction, Arizona is $184,000, against $202,700 across Graham County.
Is it cheaper to rent or buy in Swift Trail Junction?
Median gross rent in Swift Trail Junction is $873 a month, against $1,429 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 Swift Trail Junction — 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.