Total monthly cost of ownership
Cost to Own a Home in Tubac, Arizona
A $482,000 home here costs
$3,393per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,478. The real number is $915 higher every month — 37% 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.
Tubac against Santa Cruz County and Arizona
| Measure | Tubac | Santa Cruz County |
|---|---|---|
| Median home value | $481,800 | $216,100 |
| Median property tax | $2,487 | $1,387 |
| Effective tax rate | 0.516% | 0.642% |
| Median gross rent | — | $781 |
| Population | 1,247 | 48,209 |
The weather behind that power bill
Tubac sits in Santa Cruz County, which averages a high of 96.9°F in its hottest month and a low of 33.9°F in its coldest, with 14.62" of precipitation a year and 62% of it in a single three-month stretch. That climate drives 1,977 cooling and 2,039 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Santa Cruz County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Santa Cruz County
Full Santa Cruz County cost breakdown · Every county in Arizona
Common questions
How much does it cost to own a home in Tubac?
A $482,000 home in Tubac, Arizona costs approximately $3,393 per month with 20% down at 6.66%. That is $2,478 principal and interest, $207 property tax, $101 homeowners insurance, $205 utilities and $402 set aside for maintenance.
What is the property tax rate in Tubac?
Tubac has an effective property tax rate of 0.516%, based on a median home value of $481,800 and median real estate taxes of $2,487. That is lower than the Santa Cruz County average of 0.642%.
What is the average home price in Tubac?
The median owner-occupied home value in Tubac, Arizona is $481,800, against $216,100 across Santa Cruz County.
Is it cheaper to rent or buy in Tubac?
Rent data is not published for Tubac at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Tubac — 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.