Total monthly cost of ownership
Cost to Own a Home in Tucson Mountains, Arizona
A $457,000 home here costs
$3,396per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,349. The real number is $1,047 higher every month — 45% 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.
Tucson Mountains against Pima County and Arizona
| Measure | Tucson Mountains | Pima County |
|---|---|---|
| Median home value | $457,300 | $286,900 |
| Median property tax | $4,387 | $2,248 |
| Effective tax rate | 0.959% | 0.784% |
| Median gross rent | $1,417 | $1,154 |
| Population | 11,428 | 1,049,947 |
The weather behind that power bill
Tucson Mountains sits in Pima County, which averages a high of 80.3°F in its hottest month and a low of 33.6°F in its coldest, with 19.91" of precipitation a year and 54% of it in a single three-month stretch. That climate drives 616 cooling and 3,992 heating degree days, which is what sets the $137 electricity line above.
See the full climate breakdown for Pima County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pima County
Common questions
How much does it cost to own a home in Tucson Mountains?
A $457,000 home in Tucson Mountains, Arizona costs approximately $3,396 per month with 20% down at 6.66%. That is $2,349 principal and interest, $365 property tax, $96 homeowners insurance, $205 utilities and $381 set aside for maintenance.
What is the property tax rate in Tucson Mountains?
Tucson Mountains has an effective property tax rate of 0.959%, based on a median home value of $457,300 and median real estate taxes of $4,387. That is higher than the Pima County average of 0.784%.
What is the average home price in Tucson Mountains?
The median owner-occupied home value in Tucson Mountains, Arizona is $457,300, against $286,900 across Pima County.
Is it cheaper to rent or buy in Tucson Mountains?
Median gross rent in Tucson Mountains is $1,417 a month, against $3,396 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 Tucson Mountains — 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.