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Arizona Mortgage Calculator

Calculate your Arizona mortgage payment with state-specific property tax rates (0.63% average), income tax (2.59% - 4.5%), and 2026 conforming loan limits.

Arizona-Specific Inputs

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Arizona Property Tax

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AZ average: 0.63%

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Other costs

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Arizona Mortgage Overview

Arizona property taxes are below the national average.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

Some expensive markets have elevated limits reaching $1,209,750.

Arizona Income Tax Rates (2026)

Arizona has a state income tax with rates of 2.59% - 4.5%.

Arizona Property Tax

Property taxes in Arizona average 0.63%. Check with your county tax office for the exact rate.

First-Time Homebuyer Programs

Arizona Department of Housing offers down payment assistance and favorable loan terms for qualifying first-time buyers in Arizona.

Arizona Mortgage FAQ

What is the average property tax rate in Arizona?
What is the income tax in Arizona?
What are Arizona's conforming loan limits for 2026?
Are there first-time homebuyer programs in Arizona?
How much do I need for a down payment in Arizona?

Related resources

National Mortgage Calculator → AZ Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →