Total monthly cost of ownership
Cost to Own a Home in Tubac, Arizona
A $482,000 home here costs
$3,568per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $153,000 a year.
A standard mortgage calculator would have told you $2,628. The real number is $940 higher every month, 36% more than the payment most buyers budget for.
Compare Santa Cruz County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Tubac from a five-year rolling sample, and with about 1,247 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Santa Cruz County figures are drawn from a far larger sample if you want a steadier number.
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 $162 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
Talk to someone who works this market
These are Tubac 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 Tubac every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Tubac?
A $482,000 home in Tubac, Arizona costs approximately $3,568 per month with 20% down at 7.24%. That is $2,628 principal and interest, $207 property tax, $101 homeowners insurance, $230 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.
What salary do you need to buy a home in Tubac?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Tubac, Arizona at today's rate takes a household income of roughly $153,000 a year. That covers the full $3,568 monthly cost, not just the mortgage payment.
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.