Mortgage Calculator & Closing Costs: Bullhead City, AZ
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Bullhead City, Arizona.
Median Home Price
$275K
Population
42K
Avg Monthly Rent
$1,080
Property Tax Rate
0.62% *
* Property tax shown is the Arizona state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Bullhead City.
Bullhead City vs Arizona Median
The median home price in Bullhead City is $275,000, which is 28% below the Arizona state median of $380,000.
Mortgage Calculator — Bullhead City, AZ
Pre-filled with Bullhead City median home price and Arizona tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $275K home using Arizona's 0.62% tax rate and $2,100/yr insurance.
5% Down
$2,121/mo
Down: $13,750
Loan: $261K
P&I: $1,651
Tax: $142
Insurance: $175
PMI: $152
10% Down
$2,026/mo
Down: $27,500
Loan: $248K
P&I: $1,564
Tax: $142
Insurance: $175
PMI: $144
20% Down (No PMI)
$1,708/mo
Down: $55,000
Loan: $220K
P&I: $1,391
Tax: $142
Insurance: $175
Income needed (28% rule): $73K/year with 20% down, $87K/year with 10% down.
Rent vs Buy in Bullhead City
Rent
$1,080/mo
vs
Buy (10% down)
$2,026/mo
Price-to-rent ratio: 21.2 — At a ratio above 20, renting may be more economical in Bullhead City for shorter stays. Buying costs $946 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Bullhead City is $275,000, 28% below the Arizona state median of $380,000. With a population of 41,574, Bullhead City is a smaller market where home prices tend to be more accessible than in many parts of Arizona.
Property taxes in Arizona average 0.62% annually. This low property tax rate is a significant advantage for Bullhead City buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Arizona runs approximately $2,100 per year. This is within the normal range nationally.
Average rent in Bullhead City is $1,080/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Bullhead City presents moderate affordability. The $275K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Bullhead City.