Property Tax in Arizona (2026): Rates, Exemptions, and Real Numbers

Arizona Property Tax Rates by County

Highest and lowest effective rates within Arizona

Property Tax Calculator — Arizona

Pre-loaded with Arizona's 0.52% effective rate and $420,310 median price

Property Tax by City in Arizona

Annual and monthly property tax by city, based on local median prices and the statewide effective rate

Arizona Homestead Exemption

How Arizona Assesses Property Values

Assessment cycle: Annual reassessment by county assessors. Maricopa County revalues annually to reflect market changes.

Property Tax's Impact on Your True Monthly Cost

On a $420,310 home in Arizona

Property tax represents 6% of the true monthly cost in Arizona.

Mortgage Calculator Including Property Tax — Arizona

See your full PITI (principal, interest, taxes, insurance) payment

How Arizona's Property Tax Affects Affordability

$182/month in property tax reduces the home price you can afford. Use the affordability calculator to see the real impact.

Property Tax After Refinancing in Arizona

Refinancing changes your P&I but not your property tax. If your home was reassessed at a higher value, your tax bill increases regardless of your rate.

Frequently Asked Questions

What is the property tax rate in Arizona?

Arizona's effective property tax rate is 0.52%, ranking #48 nationally. The median annual property tax bill is $2,186 ($182/month). Rates range from 0.21% in Apache County to 0.81% in Pima County. Source: Tax Foundation Property Taxes by State 2024.

Does Arizona have a homestead exemption?

Yes — Arizona offers a homestead exemption for primary residences. Owner-occupied primary residences are assessed at 10% of full cash value (vs. 18% for non-owner-occupied). This assessment ratio is Arizona's primary form of owner-occupant tax relief rather than a dollar-value exemption.. Apply through your county assessor's office after purchasing your home.

How often is property reassessed in Arizona?

Arizona reassesses property on a annual reassessment by county assessors. maricopa county revalues annually to reflect market changes. basis. When your property is reassessed, your tax bill changes based on the new assessed value multiplied by the applicable rate. If you believe your assessment is too high, you can appeal — most counties allow 30-90 days after receiving your assessment notice.

How is property tax calculated in Arizona?

Property tax = Assessed Value × Mill Rate (or effective rate). In Arizona, the effective rate is 0.52% of market value. On a $420,310 home: $420,310 × 0.52% = $2,186/year. Assessments may use a fraction of market value — the effective rate accounts for this.

Can I appeal my property tax assessment in Arizona?

Yes. If your assessed value is higher than comparable sales in your area, you can file an appeal with your county assessment board. Steps: (1) Get your assessment notice, (2) Research comparable recent sales, (3) File an appeal by the deadline (typically 30-90 days from assessment notice). Studies show 20-40% of appeals result in a reduction. The process is free and you represent yourself — no attorney required.

Are property taxes included in my mortgage payment in Arizona?

Most lenders require an escrow account that collects $182/month ($2,186/year ÷ 12) along with your mortgage payment, then pays the county on your behalf. If your loan-to-value is below 80%, you may be able to opt out of escrow and pay taxes directly. Note: if your assessed value rises, your escrow payment adjusts and your total monthly cost increases.

What Arizona counties have the highest and lowest property taxes?

Arizona's highest effective rate is in Pima County at 0.81%. The lowest is Apache County at 0.21%. That's a 0.60% spread — on a $420,310 home, the difference is $2,522/year.