1 gallon of propane has the same energy content as 27kWH of electricity.
Today propane in Yuma was $2.25 a gallon. If we use $0.15 per kWH for Yuma we get $4.05.
The refrigerator and water heater will have about the same efficiency for both electric and propane.
If you heat with a good space heater electric is 100% efficient where as a propane furnace will be about 65% efficient.
It is clear it is cheaper to run the refrigerator and water heater on propane.
Even with the efficiency hit with a propane furnace propane will cost about $3.46 to equal 27kWH of electric heat at $4.05.
So if in Yuma do everything on propane that you can.