Arizona Divorce Housing Calculator
Should you keep or sell the house in Arizona? This calculator uses Arizona-specific property taxes, insurance costs, and housing data to help you decide.
Housing costs in Arizona
As of our last data update, the median home value in Arizona is approximately $395,000. Property taxes run 0.62% of home value ($2,449/year on the median home). Homeowners insurance averages $2,605/year.
For the median-priced home in Arizona, estimated costs could be approximately $750/month in property tax, insurance, and maintenance alone — before the mortgage payment.
Renting vs. buying in Arizona
Arizona's price-to-rent ratio suggests that annual rent runs roughly 5.8% of home value. For the median home, that's about $1,909/month in rent — which may be less than the total cost of ownership.
Selling costs in Arizona
Closing costs in Arizona average 1.2% of the sale price. On the median home, that's $4,740 in closing costs. Combined with agent commissions (typically 5-6%), selling can cost $26,465 or more.
Related resources
Keeping Your Home After Divorce in Arizona
Arizona's housing market sits near the national middle, with a statewide median home value around $395,000. For divorcing homeowners, this means the keep-vs-sell decision depends heavily on individual circumstances — your specific mortgage balance, income, and ongoing costs will matter more than broad market trends.
Arizona is a community property state, meaning marital assets — including the family home — are generally divided 50/50. If one spouse wants to keep the house, they typically need to buy out the other spouse's half of the equity, either with cash, by trading other assets, or by refinancing. Beyond the mortgage, homeownership in Arizona carries ongoing costs: property taxes average 0.62% of home value, and homeowners insurance runs approximately $2,605 per year. Add maintenance — typically 1-2% of home value annually — and a $395,000 home in Arizona costs roughly $750/month before the mortgage payment.
For Arizona residents considering whether to keep the family home after divorce, the key question is whether total housing costs — mortgage, property taxes, insurance, and maintenance — stay within 28-36% of gross income. A mortgage payment that was comfortable on two incomes can quickly become a strain on one. The calculator above lets you enter your specific numbers to see the true monthly cost and compare keeping the home against selling and renting. Even if you can technically afford the payment, tying up most of your equity in the house may limit your ability to save, invest, or cover unexpected expenses — so it's worth modeling both scenarios before deciding.
Frequently asked questions
Can I afford to keep the house after divorce in Arizona?
In Arizona, the median home value is $395,000 with a 0.62% property tax rate. Use the calculator above to enter your specific home value, mortgage balance, and income to see whether keeping the house is affordable on one income.
What are the real costs of keeping a home in Arizona?
Beyond the mortgage, homeownership in Arizona includes property tax (0.62% average rate), homeowner's insurance ($2,605/year average), and maintenance (typically 1-2% of home value per year). Our calculator adds all of these up so you can see the true monthly cost.
Should I sell the house or keep it in my Arizona divorce?
The answer depends on your income, mortgage balance, and whether the total housing cost (mortgage, taxes, insurance, maintenance) stays under 28-36% of your gross income. In Arizona, comparable rent averages can help you compare the cost of keeping vs. renting. Try both scenarios in the calculator above.
From uncertainty to clarity in 3 steps
No account required. No credit card. Just your numbers.
Enter your numbers
Settlement amount, income, expenses, alimony, house — takes about 2 minutes. Everything runs privately in your browser.
See the projection
Get a year-by-year chart showing your net worth from now through age 100. Green, yellow, or red — you'll know where you stand instantly.
Model & export
Test different settlement terms to find which saves you the most money, compare offers side-by-side, and export a report for your attorney.
Every projection is deterministic — same inputs always produce the same outputs. Results are estimates based on the assumptions you provide.
See what a Pro analysis looks like
We built a complete Pro analysis for a fictional person named Sarah. Explore every section — charts, what-if scenarios, risk timeline, negotiation leverage — so you can see what’s included before running your own numbers.
You don’t need a $5,000 CDFA retainer to understand your own numbers
Start with the free projection. If the numbers raise questions you can’t answer, upgrade to Pro for $19 — one-time, no subscription — and discover which settlement terms could save you thousands.
Not financial or legal advice. DivorceSmart is an educational planning tool. Always consult a qualified attorney and financial advisor before making settlement decisions.