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. The good news is, houses are really cheap. The bad news is water has to be transported in. 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 the work.