Thinking about a winter place in Apache Junction? There are two ways most people do it: a park home in a 55+ community, or a regular stick-built house. This runs them side by side.
It opens with typical numbers. Tap the + and − buttons to make them yours. Nothing to type.
These are ballparks, not quotes. Prices move. But the shape of the answer surprises most people.
What Would It Really Cost Each Month?
A home in a 55+ park vs. a stick-built home in Apache Junction. Tap the + and − buttons — or press and hold one to move faster. The answer updates as you go. Nothing to type.
Free, and it asks you for nothing. No sign-up, no email, nothing to download. Your numbers never leave your phone — this page collects nothing.
This is a ballpark, not a quote. Interest rates change, lot rent creeps up most years, and every park and lender is different. Check the real numbers with the community office and your lender before you decide. — Apache Junction 411
A mortgage calculator that counts the whole month
Most mortgage calculators stop at the loan payment. That is not the whole bill. A stick-built house adds taxes and insurance. A park home adds lot rent, every month. This one shows both, all costs in.
Stick-built: price, down payment, rate, years, taxes, insurance. Park home: same math, smaller loan, plus lot rent and insurance. Tap the buttons. Match your place.
Looking at Mesa, Gold Canyon, Queen Creek, or San Tan Valley? Same math. Tap in their numbers. Lot rent is what swings it.
Questions people ask
How much is lot rent in Apache Junction's 55+ parks?
$650 to $850 a month, as of October 2026. Meridian Park runs $655 to $720. Lost Dutchman MH Resort is $849. Rent creeps up most years.
Is a park-home loan a mortgage?
No. A home on rented land borrows on a personal-property loan. Rates run higher. Terms run shorter. That is why this calculator starts the park side at 10 percent over 15 years. A stick-built home uses a regular mortgage.
What does a month in a 55+ park cost?
Buy a $40,000 park home with a loan and the month runs about $1,197 — payment, lot rent, insurance. Pay cash and it runs about $810.
Does it save my numbers or want my email?
No. It collects nothing. Your numbers never leave your phone. It is a tool, not a form.
Where the numbers come from
The starting numbers come from Apache Junction listings and park rates in October 2026. Lot rent in the big 55+ parks runs about $650 to $850 a month, and most park-home resales list between $20,000 and $60,000. The full breakdown lives in our moving guide.
Next steps
Read the full guide: Moving to Apache Junction — the complete relocation and winter visitor guide.
Talking to a local realtor? Our realtor directory is on its way — a short list of Apache Junction agents, checked by hand.