Phoenix joins the city housing-market series

The third page of the ten-city series. Phoenix is the Sun Belt’s “after” picture: it corrected in 2022-2023 (Case-Shiller down about 7.5% by mid-2023) and re-stabilized, so mid-2026 is a normalization, not a fresh decline. The page states firmly, against prevailing local misinformation, that Arizona’s Limited Property Value does not reset to market value on an ordinary sale, and a new signature cross-city chart puts Phoenix’s 0.55% engine tax rate beside Tampa’s 1.30% and Austin’s 2.00% (each the FinExplained engine basis) to show why Phoenix’s monthly cost lands near its lower-priced peers. Water and heat are covered with their verified 2025-2026 status as long-run overhangs, never as current shocks, and cooling cost is discussed qualitatively because no sourced dollar figure exists. The beta Market Balance Score reads balanced with all five inputs present.