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Arizona House Hack Calculator

House hacking means living in one unit and renting the rest. Pre-filled with Arizona median prices, rents, and tax rates. See your effective housing cost after rental income and savings versus renting.

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Property & Financing

Units & Rental Income(Arizona defaults)

Monthly Rental Income$2,849

Operating Expenses(Arizona defaults)

Total Monthly Expenses$808

Rent Comparison

Monthly Savings vs. Renting$727

Arizona Market Context

Avg Cap Rate

5.5%

Median Price

$455K

Property Tax

0.43%

Vacancy Rate

8.8%

Local Factors

  • -Phoenix metro is a major Sun Belt migration destination with strong population growth
  • -Rising insurance costs due to monsoon and wildfire risk
  • -New construction supply in Phoenix suburbs may moderate rent growth

Effective Housing Cost

$835

Good
Monthly Mortgage$2,876
Monthly Expenses$808
Total Monthly Cost$3,684
Rental Income− $2,849
Cost Coverage77.3%
Annual Savings vs. Rent$8,730
Cash on Cash Return-44.0%

Who Covers Your Costs

COVERAGE77%
Rental Income$2,849
Your Cost$835

What does this mean?

Solid house hack. Your effective housing cost is well below typical market rent. You're building equity while keeping monthly costs manageable.

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