True Cost of Ownership Calculator | Christina Sells AZ
Scottsdale Home Buyer Tool
The True Cost of Ownership
What it really costs to own a home in North Scottsdale — beyond the mortgage payment.
Out-of-state buyers often underestimate the carrying cost of a Scottsdale home
by $1,500 to $4,000 per month. Pool service,
summer cooling bills, pest control, and landscape contracts add up fast.
Adjust the sliders below to see your real number.
Your Home Details
Home Price$1.5M
Down Payment20%
Interest Rate6.75%
Home Size3,000 sq ft
Monthly HOA$250/mo
Varies by community — $0 for custom lots, $200–$600+ for HOA communities
Includes weekly service, chemicals, pump energy, and resurfacing reserve
Monthly Club Dues$2,000/mo
Ranges from ~$535 (Troon North) to $3,000+ (Silverleaf)
Your True Monthly Cost
Beyond your mortgage, you’ll spend approximately
in ownership costs most buyers don’t budget for
Monthly Breakdown
What Scottsdale Buyers Often Miss
Summer cooling is the biggest surprise. June through September, electricity bills on a 3,000 sq ft home routinely hit $500–800/month. This calculator averages that cost over 12 months.
Pest control is non-optional. Scorpions, termites, and roof rats are realities of desert living. Budget $40–65/month for regular preventive service.
Landscape costs vary dramatically by lot size. Desert-native landscaping requires less water but still needs regular maintenance, especially irrigation system upkeep.
Pools run year-round in Arizona. Weekly service, chemical balancing, pump energy, and periodic resurfacing ($8K–$15K every 8–12 years) are ongoing commitments.
Want a Personalized Cost Breakdown for a Specific Home?
I can pull the actual HOA, tax history, and community-specific costs for any home you’re considering — so there are no surprises after closing.
719.650.5174
christina@christinasellsaz.com
christinasellsaz.com
Christina Gatewood-Reustle
REALTOR® | Realty ONE Group
Estimates are for planning purposes only. Actual costs vary by property,
community, and service providers. Mortgage calculation assumes a 30-year
fixed-rate loan. Always verify costs with your lender and local service providers.
