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Mortgage Calculator &
Closing Costs: Sedona, AZ

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

Median Home Price
$785K
Population
10K
Avg Monthly Rent
$2,280
Property Tax Rate
0.62%
Sedona vs Arizona Median
The median home price in Sedona is $785,000, which is 107% above the Arizona state median of $380,000.

Mortgage Calculator — Sedona, AZ

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

$
$157,000
%
%
years
AZ avg
%
$
Monthly Payment (PITI)
$4,550
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$3,969
per month
Taxes & Insurance
$581
per month
Total Interest Paid
$801K
over 30 years
Total Loan Cost
$1.4M
all payments
Payment Breakdown
Loan Amount$628,000
Principal & Interest$3,969
Property Taxes$406
Homeowners Insurance$175
Total Monthly PITI$4,550

Closing Costs — Sedona, AZ

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

$
%
Arizona: Avg closing costs 1.6% of price. Transfer tax: 0%.
Estimated Closing Costs
$18,223
2.3% of purchase price
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Lender Fees
$6,077
origination, underwriting
Third-Party
$5,375
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$6,771
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$5,652
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$4,225
Recording Fee$150
Prepaid Taxes (3 mo)$1,217
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$1,887
Escrow Reserves$1,567
Total Closing Costs$18,223

Buying a Home in Sedona, Arizona

The median home price in Sedona is $785,000, 107% above the Arizona state median of $380,000. With a population of 10,336, Sedona is a smaller market 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 Sedona 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 Sedona is $2,280/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.

Sedona is a higher-cost market. At $785K 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 Sedona.
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