Planning to buy a home in Phoenix with a VA loan? Understanding appraisal costs upfront can help you budget better and avoid surprises! 📊

If you're purchasing a standard single-family home in Phoenix in 2026, you can expect to pay around $650 for your VA real estate appraisal. This fee is set by the Phoenix Regional Loan Center's VA fee schedule and applies throughout the Phoenix/Maricopa County area.

The current fee schedule has been in effect since December 1, 2021, and remains the go-to reference for lenders processing VA loans in the Phoenix market. 📅

Here's what you can expect to pay based on your property type:

🏠 Single-family detached home: $650

🏢 Individual condominium unit: $650

🏘️ Manufactured home (single-family): $700

🏘️ 2-4 unit multi-family residential: $850

⏰ Standard turnaround time: 7 business days from assignment

These are the typical VA appraisal charges for most Phoenix VA-financed purchases or refinances. Many local lenders and appraisers use this schedule as their pricing guideline for VA transactions. ✅

Even with published fee schedules, you might see some variation in actual costs. Here's why:

🏗️ Property Type & Complexity Larger homes, unique layouts, extensive acreage, or significant outbuildings require more detailed work. A sprawling estate will naturally cost more to appraise than a standard tract home in a Phoenix subdivision.

📈 Market Conditions & Demand When Phoenix's real estate market is hot and appraisers are swamped with requests, lenders may charge toward the higher end of allowed fees to ensure faster service and quicker turnaround times.

🗺️ Distance & Accessibility Properties on the outskirts of the metro area or in rural parts of Maricopa County and neighboring regions can command higher fees than centrally located Phoenix homes, even though they follow the same regional fee schedule.

For most VA buyers purchasing a single-family home in Phoenix, the appraisal line item on your closing estimate will show a fee around $650. If you're buying a 2-4 unit property, expect closer to $850, with manufactured homes typically falling somewhere in between. 🏘️

Here's the process: Your lender orders the appraisal through the VA portal, the VA assigns a certified appraiser, and the fee is based on the published schedule rather than being negotiated individually. This creates predictable, transparent pricing so you can budget accurately from the start of your home-buying journey! 🎯

Whether you're buying, selling, or refinancing, having an accurate appraisal is essential. If you have questions about appraisal costs or need professional appraisal services in Phoenix, we're here to help!

📱 Call us today: (602) 833-4388

🌐 Read the full article: https://eaglehomeappraisalphx.com/how-much-does-a-real-estate-appraisal-cost-in-phoenix-2026

✨ Bottom Line: Phoenix VA appraisal costs in 2026 are straightforward and predictable. For a typical single-family home, budget around $650, and you'll be well-prepared for this important step in your home-buying process!

🏆 Ready to move forward with confidence? Contact Eagle Home Appraisal Phoenix at (602) 833-4388 for expert appraisal services you can trust!