💰 The Honest Math
What Sun City West homes really cost to own
Mortgage payment is only part of it. Plug in your numbers and see the full picture — Asset Preservation Fee, recreation card, property tax, HOA, insurance, and utilities — all in one place. Updated for 2026.
📊 Your Total Cost Breakdown
Sun City West, AZ
Cash to Close
$90,400
Down payment + closing
Total Monthly
$2,773
All-in carrying cost
One-Time at Closing
Down payment$85,000
Asset Preservation Fee (APF)$5,400
Estimated closing costs$2,000
Total cash to close$92,400
Monthly Carrying Costs
Mortgage (P&I)$2,148
Property tax$213
Home insurance$75
Sub-HOA fees$0
Recreation Card$100
Utilities$200
Internet/cable$100
Total per month$2,836
5-Year Outlook
Total monthly costs over 5 years$170,160
Plus your initial cash$92,400
5-year total invested$262,560
Want a personalized cost breakdown for a specific home?
Heads up: These are estimates based on Sun City West averages — your actual costs will vary based on the specific home, sub-community, lot size, and how the home is configured. Property tax depends on assessed value (not always sale price). HOA fees depend on the property type — most standalone single-family homes have $0, but Gemini twins, patio homes, and garden apartments do have additional dues. Use this calculator to ballpark your budget. Then call us to run the real numbers on a specific listing.