Mortgage Affordability Calculator Surprise, AZ
How much house can you afford in Surprise? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Arnaiz Mortgage
5.0 · 188 reviews · Free pre-approval
Get pre-approved →
Wikoff Mortgage
5.0 · 81 reviews · Free pre-approval
Get pre-approved →
Lendmark Financial Services LLC
4.9 · 71 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Top-rated mortgage brokers in Surprise
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Arnaiz Mortgage
Arnaiz Mortgage specializes in guiding clients through home purchases with clear communication and attentive support. The team assists with mortgage financing, keeping customers informed and answering questions promptly. Some clients note the process can take time, but appreciate the professionalism and care throughout.
Wikoff Mortgage
Wikoff Mortgage specializes in a wide range of loan programs, including FHA, VA, USDA, and Jumbo loans, with a focus on personalized guidance and a streamlined lending process. Customers appreciate the team’s clear communication and responsiveness throughout often complex transactions, though some note that challenges can arise in difficult cases.
Lendmark Financial Services LLC
Known for a knowledgeable and friendly team, Lendmark Financial Services LLC helps simplify the mortgage process with clear communication and attentive support. They offer mortgage brokerage services that many clients appreciate for their efficiency and willingness to go the extra mile. Some customers note the process can be quick and straightforward.
James Prigge - Radiant Financial Group
Radiant Financial Group specializes in guiding clients through a wide range of mortgage options, including first-time homebuyer programs, jumbo loans, and renovation financing. The team is known for clear communication and personalized support, helping borrowers navigate complex situations with patience, though some may find the process detailed.
Mortgage Beacon, L.L.C.
Known for offering some of the lowest mortgage rates nationwide, Mortgage Beacon, L.L.C. simplifies the loan process with quick custom quotes and a streamlined online experience. Their team assists with first-time homebuying, refinancing, and debt consolidation, earning praise for professionalism and friendly service.
Surprise Mortgage Statistics
Home-purchase lending in Maricopa County and home costs in Surprise, AZ (latest HMDA and Census data)Lenders made 55,262 home-purchase loans in Maricopa County in 2025 (average about $493,000) and denied 6,296 — 10% of decided applications, compared with 11% across Arizona, according to federal mortgage data (HMDA, CFPB). In Surprise, the median home is worth $435,100 and 69% of owners have a mortgage, paying a median $1,860 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 55,262▲ 2%54,313 in 2024
- Denial rate
- 10%AZ 11%
- Median home value
- $435,100AZ $394,500
- Monthly cost with a mortgage
- $1,860median · AZ $1,803
- Refinance loans made (Maricopa County, 2025)
- 33,966 · 24,769 in 2024
- Home-improvement loans made (2025)
- 10,851
- Average home-purchase loan
- $493,000 (AZ $432,000)
- Owners with a mortgage
- 69% · 27% of them spend 30%+ of income on housing
- Median household income
- $96,711 (AZ $79,964)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Maricopa County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Arnaiz Mortgage | 5.0 | 188 | Quoted per loan | (623) 806-4645 | Visit |
| 2 | Wikoff Mortgage | 5.0 | 81 | — | (623) 308-5385 | Visit |
| 3 | Lendmark Financial Services LLC | 4.9 | 71 | $50 | (480) 428-8484 | Visit |
| 4 | James Prigge - Radiant Financial Group | 5.0 | 32 | — | (623) 910-2979 | Visit |
| 5 | Mortgage Beacon, L.L.C. | 5.0 | 2 | — | (623) 544-4226 | Visit |
How this Surprise mortgage affordability calculator works
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
Arizona rules and numbers this calculator uses
- Debt-to-income
- 31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
- Down payment
- At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
- Property tax
- About 0.43% of the home's value a year, the Arizona average for owner-occupied homes (2024 Census ACS).
- Insurance
- Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
- Rate
- Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
Frequently asked questions
7 questionsHow does the mortgage affordability calculator work in Surprise, AZ?
What is the minimum down payment for a home in Arizona?
How do interest rates affect how much I can borrow?
How do debts impact my mortgage affordability?
What are property taxes like in Surprise, AZ?
What's the difference between pre-approval and pre-qualification?
What role does PMI play in mortgage affordability?
General information, not financial advice — consult a qualified professional.