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Step 1: SHOULD YOU BUY A HOME IN ARIZONA?

Is it the right time for you to buy a home in Arizona and are you ready?

Is It a Good Time to Buy a Home in Arizona?

In general, YES!

Why? …

Because there are still a lot of affordable places to live in Arizona.

Although Arizona home prices have increased, there are still many affordable urban and rural Arizona communities that have a reasonable cost of living, lower median home value and good affordability ratio.

Because interest rates are still incredibly low on a 30-year fixed mortgage.

In fact, rates are at or near an all-time low. Therefore, you can lock in a low payment for the life of the loan. This means that right now, owning a home is very affordable and it is easier to qualify for a mortgage.

Consider this: For a loan amount of $150,000 your payment goes up about $90 a month for every 1% increase in rate. That difference is the equivalent of about 2% of the median income in Arizona. Think of it this way, that’s just under the amount of the average annual employee raise.

Because homes in Arizona are going up in value. This will help you build wealth.

Buy a Home in ArizonaAccording to Zillow, the average house is expected to increase in value by just over 4% in the next year. So, for example, if you buy a home for $150,000 you should gain a little over $6000 in equity just in the next year. And it could be more.

“Homeownership plays a pivotal role in the U.S. economy and has historically been one of the primary sources of wealth accumulation for middle class families,” – Lawrence Yun, NAR Chief Economist

With that said, it is likely that either you or someone you know lost their home – or their equity – in the past decade’s financial crisis. Many people learned that home values don’t always go up. Home values fluctuate; they go up, down and stay flat. Nevertheless, most people agree that, even when adjusting for inflation, home values increase to over time.

Bottom Line: If you are currently renting and you really want to own a home in Arizona, this is an incredible time to buy.

Why Buy a Home Instead of Renting?

When you’re renting, you’re paying someone else’s mortgage. Owning a home has many benefits.

If you rent, you are helping someone else obtain the benefits of home ownership.

Consider this example:

1300 sqft home in Arizona1300 square foot home with 3 bedrooms and 2 bathrooms in Avondale, AZ.

Rent This Home:

Monthly Payment: $1050

Rent paid after 1 year: $12,600

Rent paid after 3 years: $39,722 (1)

Rent paid after 5 years: $69,623 (1)

Total Tax Savings: $0.00

Total Equity Gained: $0.00

Buy This Home:

Purchase Price: $154,600

Monthly Payment: $1,110 (2)

Total Payments after 1 year: $13,320

Total Payments after 3 years: $40,204 (3)

Total Payments after 5 years: $67,441 (3)

 

Tax Deductions after 1 year: $1,675 (4)

Tax Deductions after 3 years: $4,941 (4)

Tax Deductions after 5 years: $11,095 (4)

 

Equity Gained after 1 year: $13,242 (5)

Equity Gained after 3 years: $31,540 (6)

Equity Gained after 5 years: $51,396 (6)

 

(1) assuming rental increase of 5% per year

(2) Principal, Interest, Tax, Insurance and HOA

(3) assuming property tax increase of 5% per year

(4) assuming 25% tax bracket.

(5) assuming 3% down payment* + 4% appreciation + principal paid)

* find out how to buy your home with no money out of pocket

(6) assuming 4% appreciation + principal paid

As demonstrated, buying a home in Arizona builds wealth more times than not.

Finally, with all things considered, it just feels good to own your own home.

Why Should You Not Buy?

Before you begin the home buying process, you should determine if owning a home in Arizona is right for you.

We’ve discussed that, generally speaking, it is a great time to buy a home in Arizona. But why should you not buy? To answer this, you need to review your personal situation, your goals and your lifestyle. A realistic personal assessment may reveal that home ownership is not right for you or you might want to delay the process. Your personal and financial priorities will determine what’s best for you.

Don’t Buy Before You’re Ready

Ask Yourself the Following:

“Is it a good time for me to buy a home in Arizona?”

“Am I better off buying than renting?”

“Do I know the pros and cons to buying a home?”

“Do I understand all of the costs to buy and own a home?”

“Is my employment stable and is my income steady?”

“Do I have a budget? Can I afford the house I want?”

Don’t Buy if You Don’t Want the Responsibility of Owning a Home

Be aware that buying a home may bring unwanted responsibilities such as maintenance and repairs.

Ask Yourself the Following:

“Do I want to maintain my yard and pool?”

“Do I want to have to make repairs for common household problems such as holes in the drywall, broken door locks, clogged drains and leaky faucets?

“Can I afford larger household expenses such as replacing the carpet, repairing the roof, replacing the AC unit?”

Don’t Buy if You Move A Lot

Owning a home can tie you down. Don’t buy if you don’t want that.

Here is more information if you are still wondering if you should rent or buy a house in Arizona?

Free Advice from Professionals is Available … Ask A Lot of Questions

Buying a home is the single largest purchase that you are likely to make, and if you’ve never bought a home before, you probably have more questions than answers.

“Smart people ask questions about buying a home in Arizona because it saves them money.”

Don’t be afraid to ask a lot of questions, even if you think it should be something you know. The home buying process can have a lot of pitfalls. It’s possible that you already know a lot about what it takes to buy a home; that’s great. But ask questions because you may not know what you don’t know.

Legal Disclaimer

This home buyer series is intended to provide general information regarding the process of how to buy a house in Arizona. It is not intended to provide buyers with legal, accounting or financial advice. You are advised to seek the services of a skilled professional this those fields.

Additionally, this home buyer series does not set forth all qualification criteria for any of the loans described herein; all interested persons must successfully meet qualification criteria and complete the application process to obtain such loans.

HOMES WE CAN HELP YOU FINANCE

$275,000
2 Beds ⋅ 2 Baths ⋅ 7070622 MLS ⋅ 1,403 SqFt.
Welcome to this charming, move-in ready home in Province, one of Maricopa's sought-after 55+ communities. This 2-bedroom, 2-bath home has a warm, inviting feel with fresh interior paint and newer flooring throughout. The kitchen features a beautiful cast iron sink, and the home has been thoughtfully updated and well cared for. Step outside to enjoy a beautifully landscaped backyard with mature ficus trees, planter boxes and a spacious pergola perfect for entertaining or relaxing with friends. One of the best features is the location! Situated just a short distance from the Province community center, you'll have easy access to the pool, fitness center, clubhouse and all the activities and amenities that make Province such a special place to live.

20674 N Licorice Lane, Maricopa
$475,000
2 Beds ⋅ 2 Baths ⋅ 7070440 MLS ⋅ 1,423 SqFt.
Turnkey at no additional cost. Carefree, gated golf course community ideally located in Northeast Mesa. This exceptional offers desirable north/south exposure & showcases true pride of ownership. The beautifully maintained 2-bedroom, 2-bath home features a private courtyard entry w/ custom iron screen door. Inside, abundant natural light highlights the open, flowing floor plan. The chef-style kitchen is appointed w/ upgraded solid wood cabinetry, granite countertops & an oversized prep island, opening seamlessly to both an informal dining area and a formal dining room with elegant plant shelves. The spacious great room is anchored by a beautiful gas fireplace, creating a warm and inviting space for relaxing and entertaining.Thoughtful upgrades include engineered hardwood and tile flooring plantation shutters, designer light fixtures and ceiling fans and two toned interior paint throughout. The owner's suite offers a serene retreat , a walk-in closet, dual sinks, soaking jetted tub and a beautifully tiled walk-in shower. The guest suite is generous in size and adjacent to a full bath featuring a fully tiled shower. The interior laundry room includes a washer and dryer with cabinets. The extended-length two-car garage features epoxy flooring for a polished look. Step outside to your private backyard oasis with a covered patio, extended paver area, gas fireball pots and lush landscaping ideal for outdoor dining and relaxation. Enjoy resort-style living with access to Painted Mountain Golf Course, clubhouse, heated pool & spa, fitness center, and more! Conveniently located near shopping, dining and freeway access. This home truly embodies the luxury lock-and-leave lifestyle you've been waiting for. Tuscany Villas residents enjoy an exceptional array of community amenities, including a luxurious clubhouse, sparkling pools and spa, state-of-the-art fitness center, pickleball courts, billiards, beautifully landscaped parks, playgrounds and scenic walking paths all designed to promote an active, social and vibrant lifestyle.

6202 E Mckellips Road Unit 9, Mesa
$465,500
3 Beds ⋅ 3 Baths ⋅ 7070361 MLS ⋅ 2,051 SqFt.
Come home to a vibrant Gilbert lifestyle in this inviting 3-story townhome, where granite finishes and flexible living spaces set the stage for everyday comfort and effortless entertaining. Start your mornings with coffee nearby, spend evenings exploring local dining, and enjoy the convenience of shops and entertainment just moments from your door.

2790 S Alpine Drive, Gilbert
$305,000
2 Beds ⋅ 2 Baths ⋅ 7070245 MLS ⋅ 991 SqFt.
Beautifully updated and move-in ready, this refreshed condo welcomes you with a bright, open feel from the moment you step inside. The living room has been thoughtfully reconfigured by removing the corner niche, creating a more spacious and versatile layout ideal for relaxing, entertaining, or creating a dedicated workspace. The open-concept kitchen shines with crisp white cabinetry, recessed lighting, and stunning new quartz countertops, offering both style and functionality. Fresh interior paint throughout and updated flooring in the bedrooms provide a clean, modern aesthetic, making this home truly turnkey. Thoughtfully refreshed with today's buyer in mind, this inviting residence is ready for you to move in and make it your own

1351 N Pleasant Drive Unit 2049, Chandler
$325,000
3 Beds ⋅ 2 Baths ⋅ 7070094 MLS ⋅ 1,724 SqFt.
This home qualifies for Community Lending Program (CLP) with $7,500 to be used for buyers down payment, closing costs, & prepaids. Welcome home to this beautifully remodeled 3-bedroom, 2-bath end-unit townhouse offering 1,724 sq. ft. of comfortable, low-maintenance living in an established Mesa community. This move-in-ready home has been thoughtfully updated from top to bottom. The completely remodeled kitchen features new cabinetry, granite countertops, smart appliances, and smart lighting, creating a fresh, modern space for cooking and entertaining. Both bathrooms have also been beautifully updated, while luxury vinyl flooring throughout the home is waterproof, scratch-resistant, and pet-friendly--combining style with everyday durability. The home also offers plenty of functional and flexible living space, including a good-sized laundry room and enclosed back patio--perfect for relaxing and extra storage. Major improvements go beyond the finishes. The HVAC system is only four years old, and all sewer lines within the home were replaced two years ago, providing added peace of mind for the next owner. As an end unit, the home enjoys a desirable location within the community, conveniently situated near the pool. The HOA provides extensive exterior maintenance and services, including roof repair and replacement, exterior building surfaces and painting, common-area landscaping, covered parking areas, exterior pest control, and water. Enjoy the convenience of being close to Downtown Mesa, public transportation, bus service, and light rail, with easy access to shopping, dining, entertainment, and everything the East Valley has to offer. With a complete interior remodel, newer HVAC, recently replaced sewer lines, extensive HOA-maintained exterior features, and a prime end-unit location near the community pool, this home offers an exceptional combination of comfort, convenience, and low-maintenance living. Owner holds an AZ real estate license.

560 N Hobson Plaza, Mesa
$333,000
3 Beds ⋅ 2 Baths ⋅ 7070024 MLS ⋅ 1,510 SqFt.
Spacious, well-kept townhome in a convenient Tempe location with a community pool, clubhouse, mature greenbelts and grassy common areas. Fresh paint and carpet in the living room, dining area and all three bedrooms. Kitchen and second dining area have laminate flooring; bathrooms and laundry are tile. Remodeled kitchen features updated appliances, countertops, sink, faucet and refinished cabinets. Baths have updated sinks. AC replaced in 2024 and roof replaced in 2026. Private patio with shed storage and three assigned parking spaces, two covered. HOA covers exterior maintenance, water, sewer and trash. Easy access to US 60, Loop 101 and I-10.

1505 E Southern Avenue, Tempe
$375,000
2 Beds ⋅ 2 Baths ⋅ 7070000 MLS ⋅ 1,426 SqFt.
Spacious, bright and beautifully updated, this single-level townhome blends style, comfort and easy living. Enjoy thoughtful updates, including beautiful wood-look flooring throughout, recessed lighting, updated fixtures and ceiling fans, dual-pane Andersen windows, and a crisp white kitchen with granite countertops and stainless steel appliances. Additional highlights include a newer roof and a 2-car garage offering secure parking, valuable storage, plus the rare convenience of community RV/boat parking. The beautifully redesigned backyard is a showstopper, featuring stylish pavers, artificial turf and a view fence overlooking the lush community greenbelt, an inviting backdrop for morning coffee, outdoor dining or entertaining. Outdoor living shines with both front and back patios, offering multiple spaces to relax and enjoy Arizona living. Pepperwood offers a charming neighborhood setting with refreshing pools and spa amenities and low monthly HOA fees. Ideally located near Kiwanis Park, Arizona Mills, South Mountain, golf, shopping and dining, with convenient access to ASU, Sky Harbor International Airport and the US-60, I-10 and Loop 101. Beautifully maintained, thoughtfully updated and ready to enjoy. This is easy Tempe living at its best!

5323 S Mitchell Drive, Tempe
$255,000
2 Beds ⋅ 3 Baths ⋅ 7069996 MLS ⋅ 1,109 SqFt.
Move-in ready and ideally located, this 2-bed, 2.5-bath townhome offers comfortable living in a desirable gated Mesa community! Perfect for first-time buyers or anyone seeking a low-maintenance lifestyle, this home features tile flooring on the first level, beautiful hardwood flooring upstairs, and tall ceilings. The kitchen flows seamlessly into the living room, making everyday living and entertaining a breeze. Step outside to your private patio, which opens to a peaceful greenbelt. Additional highlights include assigned parking, a community pool, and an A/C unit replaced in 2022. The HOA includes water and trash for added convenience. Enjoy an excellent location near the Mesa Arts District, light rail, dining, shopping, and everyday amenities!

455 S Mesa Drive Unit 149, Mesa
$475,000
3 Beds ⋅ 3 Baths ⋅ 7069947 MLS ⋅ 1,811 SqFt.
This move-in-ready home at Sulley Drive offers a modern, low-maintenance lifestyle in a prime Gilbert location! Inside, you'll find an open layout featuring elegant wood-plank tile flooring throughout the main living areas and stylish quartz countertops in the kitchen, perfect for effortless daily living and entertaining. Additional upgrades include a whole house water filtration system, RO system, a Smart Home features throughout, and garage cabinets. Enjoy ultimate convenience with top-rated schools, parks, and vibrant shopping and dining options within easy walking distance. Easy freeway access makes commuting a breeze, putting the very best of Gilbert right at your fingertips. Whether you're searching for a turnkey home or an unbeatable location, this property delivers on every level!

2626 S Sulley Drive Unit 109, Gilbert
$359,000
4 Beds ⋅ 3 Baths ⋅ 7069840 MLS ⋅ 2,622 SqFt.
This spacious home offers over 2,600 square feet of living space, including a BASEMENT! The cool basement features a large great room, two bedrooms, a full bathroom, Den/Office & laundry room. While the Primary suite, guest bedroom, living room and kitchen all reside on the main level. The granite countertops throughout add a timeless, upgraded touch to the home. Enjoy the privacy of the enclosed patio and the convenience of the two car garage with its valuable storage. Three Fountains community offers fantastic amenities including a multi-use sports court, playground, and pool. The HOA dues cover water, sewer, & exterior maintenance creating a low-maintenance living experience. With two generous living spaces, versatile rooms, & desirable community amenities, this home offers an exceptional combination of ample sq/ft, functionality, and convenience.

1550 N Stapley Drive Unit 125, Mesa
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