- Yucca, Arizona is actually listed as a ghost town. Now people still live there - just goes to show that all travel books are not 100% accurate. (I'm not making this up.) The good news is, houses are really cheap. The bad news is water has to be transported in (I'm not making this up either). A four-bedroom, 2 bath ranch will sell for $60,000 (after a down payment of $12,000 ). A 30 -year mortgage in Yucca carries a 3% interest rate. With those numbers, calculate your monthly mortgage payment (note; solve for the annual payment and divide by 12) Show the formula and all work