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Mortgage Calculator &
Closing Costs: Chandler, AZ

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

Median Home Price
$475K
Population
276K
Avg Monthly Rent
$1,620
Property Tax Rate
0.62%
Chandler vs Arizona Median
The median home price in Chandler is $475,000, which is 25% above the Arizona state median of $380,000.

Mortgage Calculator — Chandler, AZ

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

$
$95,000
%
%
years
AZ avg
%
$
Monthly Payment (PITI)
$2,822
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,402
per month
Taxes & Insurance
$420
per month
Total Interest Paid
$485K
over 30 years
Total Loan Cost
$865K
all payments
Payment Breakdown
Loan Amount$380,000
Principal & Interest$2,402
Property Taxes$245
Homeowners Insurance$175
Total Monthly PITI$2,822

Closing Costs — Chandler, AZ

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

$
%
Arizona: Avg closing costs 1.6% of price. Transfer tax: 0%.
Estimated Closing Costs
$12,734
2.7% of purchase price
Lender Fees
$3,845
origination, underwriting
Third-Party
$3,825
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$5,064
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,420
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,675
Recording Fee$150
Prepaid Taxes (3 mo)$736
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$1,142
Escrow Reserves$1,086
Total Closing Costs$12,734

Buying a Home in Chandler, Arizona

The median home price in Chandler is $475,000, 25% above the Arizona state median of $380,000. With a population of 275,987, Chandler is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Arizona average 0.62% annually. This low property tax rate is a significant advantage for Chandler 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 Chandler is $1,620/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.

Chandler is a higher-cost market. At $475K median, buyers need significant savings or strong income. Down payment assistance through Arizona's Home Plus AZ program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Chandler.
Rent vs Buy Calculator →
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