Total monthly cost of ownership
Cost to Own a Home in Tuba City, Arizona
A $67,000 home here costs
$701per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $30,000 a year.
A standard mortgage calculator would have told you $371. The real number is $330 higher every month, 89% more than the payment most buyers budget for.
Compare Coconino County with anywhere in America · full county breakdown
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 $165 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
Talk to someone who works this market
These are Tuba City averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Tuba City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Tuba City I already own here and may sell
Common questions
How much does it cost to own a home in Tuba City?
A $67,000 home in Tuba City, Arizona costs approximately $701 per month with 20% down at 7.4%. That is $371 principal and interest, $27 property tax, $14 homeowners insurance, $233 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 $701 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Tuba City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Tuba City, Arizona at today's rate takes a household income of roughly $30,000 a year. That covers the full $701 monthly cost, not just the mortgage payment.
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.