Turn your San Diego equity into Arizona buying power
Selling in San Diego and buying in Arizona changes two numbers most people underestimate: how far your equity stretches, and how much your property-tax bill drops. San Diego County property tax runs about 1.15% of value; across the state line in Maricopa County — Scottsdale, Chandler, Phoenix — it’s closer to 0.55%, which often cuts the annual bill roughly in half. The calculator below turns your San Diego home value, mortgage balance, and income into a real Arizona price range, monthly payment, and tax savings, using this week’s national average mortgage rate.
It’s built by Dr. Kevin Shufford, licensed for both real estate and mortgage in California and Arizona — so the equity math and the loan math come from the same person, not two.
The calculator’s yours free, no strings. Want your numbers turned into a real plan — your actual rate, price range, and next steps? I’ll put it together and follow up personally. Totally optional, always your call.
San Diego to Arizona move: Common questions
How much is property tax in Arizona compared to San Diego?
San Diego County’s effective property-tax rate is about 1.15% of value; Maricopa County (Scottsdale, Chandler, Phoenix) runs closer to 0.55%. On a $1,650,000 home, that’s roughly $9,075 a year in Arizona versus about $18,975 in California — typically a 50%-plus drop. Your exact figure depends on the specific parcel and any special-district levies.
What will my San Diego equity buy in Scottsdale or Chandler?
As of June 2026, the Scottsdale citywide median sale price is about $925,000, Grayhawk about $805,000, and Chandler about $575,000. A San Diego seller walking away with $400,000–$600,000 in equity can put 40–60% down on a Scottsdale home, or cover much of a Chandler purchase with financing well within reach. Run your own numbers in the calculator above.
Do I need to sell my San Diego home before I qualify in Arizona?
Not always. The calculator uses your income and debts to estimate qualification, so you can see whether you’d qualify carrying both homes or whether your plan depends on closing the San Diego sale first. Because Dr. Kevin is both a licensed agent and a mortgage loan originator, he can structure the timing — bridge financing, a sale-contingent offer, or a clean sell-then-buy — around your actual numbers.
What mortgage rate does the calculator use?
It pulls this week’s national average 30-year fixed rate (Freddie Mac’s PMMS survey, via FRED) automatically, so the payment estimate reflects current conditions. You can override it under “Adjust the assumptions” to test a specific quote.
Is the calculator’s estimate a loan approval?
No. It’s an educational estimate based on the numbers you enter and current averages — not a loan approval or commitment to lend. Actual equity, qualification, taxes, and payments depend on a full review of your credit, income, and the specific property. For exact figures, text Dr. Kevin at 480-725-4658.
Want your exact numbers instead of estimates? Text Dr. Kevin at 480-725-4658, or visit thepropertyprofessor.blog.