Total monthly cost of ownership
Cost to Own a Home in Timberline-Fernwood, Arizona
A $572,000 home here costs
$3,915per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,941. The real number is $974 higher every month — 33% 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.
Timberline-Fernwood against Coconino County and Arizona
| Measure | Timberline-Fernwood | Coconino County |
|---|---|---|
| Median home value | $572,100 | $413,200 |
| Median property tax | $2,073 | $2,008 |
| Effective tax rate | 0.362% | 0.486% |
| Median gross rent | $1,744 | $1,406 |
| Population | 2,326 | 144,643 |
The weather behind that power bill
Timberline-Fernwood sits in Coconino County, which averages a high of 84.9°F in its hottest month and a low of 14.1°F in its coldest, with 13.36" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 162 cooling and 6,799 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Coconino County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Coconino County
Full Coconino County cost breakdown · Every county in Arizona
Common questions
How much does it cost to own a home in Timberline-Fernwood?
A $572,000 home in Timberline-Fernwood, Arizona costs approximately $3,915 per month with 20% down at 6.66%. That is $2,941 principal and interest, $173 property tax, $120 homeowners insurance, $205 utilities and $477 set aside for maintenance.
What is the property tax rate in Timberline-Fernwood?
Timberline-Fernwood has an effective property tax rate of 0.362%, based on a median home value of $572,100 and median real estate taxes of $2,073. That is lower than the Coconino County average of 0.486%.
What is the average home price in Timberline-Fernwood?
The median owner-occupied home value in Timberline-Fernwood, Arizona is $572,100, against $413,200 across Coconino County.
Is it cheaper to rent or buy in Timberline-Fernwood?
Median gross rent in Timberline-Fernwood is $1,744 a month, against $3,915 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 Timberline-Fernwood — 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.