Total monthly cost of ownership
Cost to Own a Home in Tuba City, Arizona
A $67,000 home here costs
$646per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $344. The real number is $302 higher every month — 88% 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.
Tuba City against Coconino County and Arizona
| Measure | Tuba City | Coconino County |
|---|---|---|
| Median home value | $66,700 | $413,200 |
| Median property tax | — | $2,008 |
| Effective tax rate | 0.486% | 0.486% |
| Median gross rent | $838 | $1,406 |
| Population | 8,265 | 144,643 |
The weather behind that power bill
Tuba City 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 Tuba City?
A $67,000 home in Tuba City, Arizona costs approximately $646 per month with 20% down at 6.66%. That is $344 principal and interest, $27 property tax, $14 homeowners insurance, $205 utilities and $56 set aside for maintenance.
What is the property tax rate in Tuba City?
Place-level tax data is not published for Tuba City, so the Coconino County rate of 0.486% applies here.
What is the average home price in Tuba City?
The median owner-occupied home value in Tuba City, Arizona is $66,700, against $413,200 across Coconino County.
Is it cheaper to rent or buy in Tuba City?
Median gross rent in Tuba City is $838 a month, against $646 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Tuba City — 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.