Arizona mortgage calculator

30-year fixed mortgage calculator with Arizona-specific defaults. Median home price $425,000 · property tax effective rate 0.62%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$85,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Arizona

State pre-set for this page. Switch state

Property tax rate

~$220 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $142/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $425,000 home, 20% down, 6.875% APR, 30-year fixed in Arizona.

Where your payment goes

Principal & interest$2,234

Property tax$220

Homeowner insurance$145

PMI$142

Loan amount

$340,000

Total interest

$464,081

Total paid

$804,081

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$26,803	$3,538	$23,265	$23,265	$336,462
Y02Year 2	$26,803	$3,789	$23,014	$46,279	$332,673
Y03Year 3	$26,803	$4,058	$22,745	$69,024	$328,616
Y04Year 4	$26,803	$4,346	$22,457	$91,481	$324,270
Y05Year 5	$26,803	$4,654	$22,149	$113,630	$319,616
Y06Year 6	$26,803	$4,984	$21,818	$135,448	$314,632
Y07Year 7	$26,803	$5,338	$21,465	$156,913	$309,294
Y08Year 8	$26,803	$5,717	$21,086	$177,999	$303,577
Y09Year 9	$26,803	$6,122	$20,680	$198,679	$297,455
Y10Year 10	$26,803	$6,557	$20,246	$218,925	$290,898
Y11Year 11	$26,803	$7,022	$19,781	$238,706	$283,877
Y12Year 12	$26,803	$7,520	$19,282	$257,989	$276,356
Y13Year 13	$26,803	$8,054	$18,749	$276,738	$268,302
Y14Year 14	$26,803	$8,625	$18,177	$294,915	$259,677
Y15Year 15	$26,803	$9,237	$17,565	$312,480	$250,440
Y16Year 16	$26,803	$9,893	$16,910	$329,390	$240,547
Y17Year 17	$26,803	$10,595	$16,208	$345,598	$229,952
Y18Year 18	$26,803	$11,347	$15,456	$361,054	$218,606
Y19Year 19	$26,803	$12,152	$14,651	$375,705	$206,454
Y20Year 20	$26,803	$13,014	$13,789	$389,494	$193,440
Y21Year 21	$26,803	$13,937	$12,865	$402,359	$179,502
Y22Year 22	$26,803	$14,926	$11,876	$414,235	$164,576
Y23Year 23	$26,803	$15,986	$10,817	$425,052	$148,590
Y24Year 24	$26,803	$17,120	$9,683	$434,735	$131,470
Y25Year 25	$26,803	$18,335	$8,468	$443,203	$113,136
Y26Year 26	$26,803	$19,636	$7,167	$450,370	$93,500
Y27Year 27	$26,803	$21,029	$5,774	$456,144	$72,471
Y28Year 28	$26,803	$22,521	$4,282	$460,425	$49,950
Y29Year 29	$26,803	$24,119	$2,683	$463,109	$25,831
Y30Year 30	$26,803	$25,831	$972	$464,081	$0

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Arizona — related

Arizona income tax

Top marginal 2.50% · Flat rate

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13