How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $225 per month ($2,700/year) when you move from Idaho to Arizona.
If you sell your median-priced Idaho home ($420K) and buy in Arizona ($380K):
Your Idaho equity covers the 20% down payment on a median Arizona home with $50K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $27K in housing costs alone.
Your dollar stretches further in Arizona. The median home costs 10% less than in Idaho, which translates to a $40K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
When you buy in Arizona, expect about $6K in closing costs (1.6% of purchase price). Arizona has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Arizona's Home Plus AZ offers Up to 5% DPA grant. If you haven't owned a home in three years (or are buying in Arizona for the first time), you may qualify. Check eligibility requirements and income limits on Arizona's housing finance agency website.