Tucson Mortgage Calculator 2026
Estimate your monthly mortgage payment in Tucson, AZ. On the local median home value of $330,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $1,997. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$1,669
- Property Tax$179
- Home Insurance$150
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $20,024 | $2,951 | $17,073 | $261,049 |
| 2 | $20,024 | $3,148 | $16,875 | $257,901 |
| 3 | $20,024 | $3,359 | $16,665 | $254,542 |
| 4 | $20,024 | $3,584 | $16,440 | $250,957 |
| 5 | $20,024 | $3,824 | $16,200 | $247,133 |
| 6 | $20,024 | $4,080 | $15,944 | $243,053 |
| 7 | $20,024 | $4,354 | $15,670 | $238,699 |
| 8 | $20,024 | $4,645 | $15,379 | $234,054 |
| 9 | $20,024 | $4,956 | $15,068 | $229,097 |
| 10 | $20,024 | $5,288 | $14,736 | $223,809 |
| 11 | $20,024 | $5,642 | $14,381 | $218,167 |
| 12 | $20,024 | $6,020 | $14,004 | $212,146 |
| 13 | $20,024 | $6,424 | $13,600 | $205,723 |
| 14 | $20,024 | $6,854 | $13,170 | $198,869 |
| 15 | $20,024 | $7,313 | $12,711 | $191,556 |
| 16 | $20,024 | $7,802 | $12,221 | $183,754 |
| 17 | $20,024 | $8,325 | $11,699 | $175,429 |
| 18 | $20,024 | $8,883 | $11,141 | $166,546 |
| 19 | $20,024 | $9,477 | $10,546 | $157,069 |
| 20 | $20,024 | $10,112 | $9,912 | $146,956 |
| 21 | $20,024 | $10,789 | $9,234 | $136,167 |
| 22 | $20,024 | $11,512 | $8,512 | $124,655 |
| 23 | $20,024 | $12,283 | $7,741 | $112,372 |
| 24 | $20,024 | $13,106 | $6,918 | $99,266 |
| 25 | $20,024 | $13,983 | $6,041 | $85,283 |
| 26 | $20,024 | $14,920 | $5,104 | $70,363 |
| 27 | $20,024 | $15,919 | $4,105 | $54,444 |
| 28 | $20,024 | $16,985 | $3,039 | $37,459 |
| 29 | $20,024 | $18,123 | $1,901 | $19,336 |
| 30 | $20,024 | $19,336 | $688 | $0 |
Swipe the table sideways to see all columns →
How to use it
A two-minute guide.
The Home Price field is pre-filled with the median home value in Tucson (about $330,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with Pima County's effective rate of 0.65% — the county-level average for owner-occupied homes in Tucson. If you know your specific rate from a recent tax bill, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
The math behind the result.
Buying a median-priced home in Tucson. At $330,000 with a 20% down payment, you'd bring $66,000 to closing (plus closing costs) and take out a $264,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $1,669.
Annual costs on top of the loan. Homes in Tucson are taxed through Pima County, where the effective property tax rate averages 0.65% — so a median-priced Tucson home generates approximately $2,145 in annual property tax (about $179/mo when paid through escrow). Homeowner's insurance in Arizona averages around $1,800/year.
Total monthly payment (PITI) on the median Tucson home works out to about $1,997 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Questions
Frequently asked.
Looking for a different city? Browse Arizona mortgage rates or use our main mortgage calculator. For Arizona-specific property taxes, see our Arizona Property Tax Calculator.
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