Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
Chandler mortgage calculator
A median-priced Chandler, AZ home at 6.75% over 30 years, with Arizona property tax of 0.62% and $1,700 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$3,527 a month, all in
Principal and interest are $2,920; escrow and PMI add the rest. Over the full term the loan costs $601,029 in interest. Discounted at 5%, buying here has a net present value of $53,752 ($363,680 in today’s dollars).
Within Arizona, Chandler is 4th of the 7 Arizona markets covered here, between Scottsdale at the top and Tucson at the bottom of a 2.33x spread. A state-level median hides most of that.
The price-to-rent ratio here is 20.1 ($500,250 to buy, $2,072 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Chandler, not a fallback position.
Chandler carries a premium over the rest of Arizona: a median home here runs $500,250, about 15% above the state median of $435,000. The deposit moves with it, so the same 20% down is $100,050 rather than $87,000.
Monthly cost in Chandler vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $500,250 |
|---|---|
| Down payment (10%) | $50,025 |
| Loan amount | $450,225 |
| Principal & interest | $2,920/mo |
| Property tax (0.62%) | $258/mo |
| Homeowners insurance | $142/mo |
| PMI while above 80% LTV | $206/mo |
| Total monthly payment | $3,527/mo |
| Comparable rent | $2,072/mo |
What a rate move does to the Chandler payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $2,556/mo |
| 6% | $2,699/mo |
| 6.5% | $2,846/mo |
| 7% | $2,995/mo |
| 7.5% | $3,148/mo |
| 8% | $3,304/mo |
Rent or buy in Chandler?
Against $2,072 a month in rent, over 7 years renting leaves you about $83,395 better off — $70,157 once 2.5% inflation is stripped out. See the Arizona rent-vs-buy page.
Where these numbers come from
Arizona medians come from editorial and are refreshed weekly. The Chandler figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.