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Mortgage Calculator &
Closing Costs: San Luis, AZ

Mortgage payment estimates, closing cost breakdowns, and homebuying data for San Luis, Arizona.

Median Home Price
$225K
Population
35K
Avg Monthly Rent
$950
Property Tax Rate
0.62%
San Luis vs Arizona Median
The median home price in San Luis is $225,000, which is 41% below the Arizona state median of $380,000.

Mortgage Calculator — San Luis, AZ

Pre-filled with San Luis median home price and Arizona tax/insurance rates. Adjust for your property.

$
$45,000
%
%
years
AZ avg
%
$
Monthly Payment (PITI)
$1,429
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,138
per month
Taxes & Insurance
$291
per month
Total Interest Paid
$230K
over 30 years
Total Loan Cost
$410K
all payments
Payment Breakdown
Loan Amount$180,000
Principal & Interest$1,138
Property Taxes$116
Homeowners Insurance$175
Total Monthly PITI$1,429

Closing Costs — San Luis, AZ

Estimated closing costs based on Arizona rates and fees applied to San Luis prices.

$
%
Arizona: Avg closing costs 1.6% of price. Transfer tax: 0%.
Estimated Closing Costs
$8,308
3.7% of purchase price
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Lender Fees
$2,045
origination, underwriting
Third-Party
$2,575
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,688
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,620
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,425
Recording Fee$150
Prepaid Taxes (3 mo)$349
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$541
Escrow Reserves$699
Total Closing Costs$8,308

Buying a Home in San Luis, Arizona

The median home price in San Luis is $225,000, 41% below the Arizona state median of $380,000. With a population of 35,257, San Luis 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 San Luis 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 San Luis is $950/month. The price-to-rent ratio in San Luis is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

San Luis offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Arizona's Home Plus AZ program.

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