Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Arizona and Maryland. Updated for 2026.
Metric
Arizona
Maryland
Median Home Price
$380K
$420K
Property Tax Rate
0.62%
1.09%
Avg Closing Costs
$6K
$11K
Closing Cost %
1.6%
2.5%
Transfer Tax
None
1.5%
Homeowners Insurance
$2,100/yr
$1,700/yr
First-Time Buyer Program
Home Plus AZ
Up to 5% DPA grant
MD Mortgage Program
Up to $25,000 DPA
Verdict
Arizona wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $380K and lower overall costs, Arizona offers meaningful savings compared to Maryland. Both states offer first-time buyer programs — explore the state pages for full details.