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What can you afford in Arizona?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Arizona's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Arizona's effective property tax rate is around 0.48% of home value per year — the 3rd lowest in the country. Average homeowner's insurance runs near $2,172/year on a $300,000 home — the 25th lowest.
Comfortable
$261,262
Stretch
$325,457
Risky ceiling
$365,865
A lender would likely approve up to $365,865 on this baseline in Arizona — but this household's own budget, once real expenses are counted, can only sustain $325,457. That $40,408 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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