Total monthly cost of ownership
Cost to Own a Home in Three Points, Arizona
A $148,000 home here costs
$1,196per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $761. The real number is $435 higher every month — 57% 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.
Three Points against Pima County and Arizona
| Measure | Three Points | Pima County |
|---|---|---|
| Median home value | $147,900 | $286,900 |
| Median property tax | $911 | $2,248 |
| Effective tax rate | 0.616% | 0.784% |
| Median gross rent | $988 | $1,154 |
| Population | 5,033 | 1,049,947 |
The weather behind that power bill
Three Points sits in Pima County, which averages a high of 80.3°F in its hottest month and a low of 33.6°F in its coldest, with 19.91" of precipitation a year and 54% of it in a single three-month stretch. That climate drives 616 cooling and 3,992 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Pima County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pima County
Common questions
How much does it cost to own a home in Three Points?
A $148,000 home in Three Points, Arizona costs approximately $1,196 per month with 20% down at 6.66%. That is $761 principal and interest, $76 property tax, $31 homeowners insurance, $205 utilities and $123 set aside for maintenance.
What is the property tax rate in Three Points?
Three Points has an effective property tax rate of 0.616%, based on a median home value of $147,900 and median real estate taxes of $911. That is lower than the Pima County average of 0.784%.
What is the average home price in Three Points?
The median owner-occupied home value in Three Points, Arizona is $147,900, against $286,900 across Pima County.
Is it cheaper to rent or buy in Three Points?
Median gross rent in Three Points is $988 a month, against $1,196 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 Three Points — 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.