CALCMONEY // MORTGAGE // AZ // SEDONA
Calculate your monthly mortgage payment using Sedona-specific property tax rates and local market data.
$850,000
6.85%
0.58%
166
| Principal & Interest | $4,456 |
| Property Tax | $411 |
| Homeowners Insurance (est.) | $283 |
| Total Monthly Payment (PITI) | $5,150 |
$170,000
$924,075
$220,711/yr
Home prices in Sedona run 102% above the national median: $850,000 versus $420,000. Relative to the $75,000 median household income here, the price-to-income ratio comes out to 11.3x.
Property taxes in Sedona run 0.58% of assessed value, below the 1.1% national average. On the median home, that's $4,930 a year, or $411 added to the monthly payment.
Arizona levies a state income tax on top of the $5,150/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Sedona's cost of living index is 166, above the 100 national baseline. That's on top of the housing numbers above, not instead of them.
Sedona's median home price runs 102% higher than nearby Phoenix: $420,000 there versus $850,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $680,000 loan saves $30,600 in interest over 30 years.
Compare Top Sedona Mortgage LendersNeighborhood-level data for 1 ZIP codes in Sedona. Rates, home prices, and estimated payments vary by area.