Arizona · Property Tax & Closing Costs
Arizona property tax by county
Property tax rates, median home values, and closing cost estimates for all 15 counties in Arizona. The average effective rate across the state is 0.55%, ranking Arizona 39 of 51 (below-average property taxes). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
0.55%
across 15 counties
National rank
#39
of 51, highest rate first
Median home value
$233,000
county median in state
Rate range
0.33%–0.90%
Greenlee County → Apache County
Same home, different county
On a $233,000 home (the typical county median in Arizona), the annual property tax bill depends heavily on where you buy:
Difference
$1,330/yr
$111/mo · $13,304 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Arizona
The five Arizona counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Greenlee County | 0.33% |
| Yavapai County | 0.41% |
| Maricopa County | 0.44% |
| Mohave County | 0.44% |
| Coconino County | 0.46% |
Highest property tax rates in Arizona
The five Arizonacounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Apache County | 0.90% |
| Pima County | 0.71% |
| La Paz County | 0.64% |
| Yuma County | 0.61% |
| Santa Cruz County | 0.61% |
Arizona real estate transfer tax
Arizona does not charge a state real estate transfer tax, so buyers and sellers avoid a cost that adds thousands of dollars at closing in many other states.
Arizona prohibits real estate transfer taxes by statute (A.R.S. 11-1132). Only a flat Affidavit of Property Value fee is charged at recording.
Official Arizona source → · Verified April 2026
Closing costs in Arizona
Across Arizona's 15 counties, buyer closing costs run $2,402 to $9,046 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $15,142 to $99,606. Pick your county for your own figures.
Arizona closing cost calculatorArizona property tax exemptions
Ways buyers in Arizona may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Widow/Widower/Disabled Exemption
$4,873 off taxable value (2026) for widows, widowers, and persons with total and permanent disability. Household income limit $39,865 ($47,826 with minor children).
View official source →Senior Property Valuation Protection
Freezes the limited property value for homeowners 65+ on a renewable 3-year basis. 2026 income limit: $47,712 (single owner) / $59,640 (two or more owners); 2+ years residency.
View official source →Primary Residence Classification
Owner-occupied homes are assessed at 10% of limited property value (class 3), significantly lower than non-owner-occupied rates. Arizona constitutionally prohibits any state real estate transfer tax.
View official source →Proposition 117 Limited Property Value Cap
Limited property value, the value taxes are levied on, may rise at most 5% a year (ARS 42-13301). The cap stays with the parcel and is not reset by a sale.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 15 counties in Arizona
Effective property tax rate, median home value, and median annual taxes paid for every county in Arizona. Click a county to open its full property tax calculator and closing cost breakdown.
| County | Rate |
|---|---|
| Apache County | 0.90% |
| Cochise County | 0.60% |
| Coconino County | 0.46% |
| Gila County | 0.51% |
| Graham County | 0.48% |
| Greenlee County | 0.33% |
| La Paz County | 0.64% |
| Maricopa County | 0.44% |
| Mohave County | 0.44% |
| Navajo County | 0.59% |
| Pima County | 0.71% |
| Pinal County | 0.47% |
| Santa Cruz County | 0.61% |
| Yavapai County | 0.41% |
| Yuma County | 0.61% |
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.