Arizona Property Tax Calculator

Select Arizona County Estimated Property Market Value ($)

Estimated Annual Property Tax $0

Estimated Monthly $0

Effective Tax Rate 0.00%

Assessed Value (10%) $0

County –

Note on Arizona Taxes: Residential properties (Class 3) in Arizona are assessed at 10% of their Limited Property Value (LPV). This calculator utilizes aggregate effective tax rates based on total market value to provide an accurate estimate. Your actual tax bill may vary depending on school districts, primary/secondary local rates, and Proposition 117 LPV caps.

Arizona Property Tax Calculator & Complete Guide

Whether you are buying a home in sunny Phoenix, investing in Scottsdale real estate, or retiring in Tucson, understanding how much property tax is in Arizona is vital for your budget. The great news for prospective homebuyers is that Arizona boasts some of the lowest property tax rates in the United States.

Our Arizona Property Tax Calculator above allows you to quickly estimate your annual property tax bill and monthly escrow payments. By selecting your county and entering your home’s estimated market value, you can immediately see a breakdown of your expected tax burden.

Below, we detail exactly how property taxes are calculated in Arizona, explain the famous 10% assessment ratio, compare rates across Maricopa County and beyond, and answer your most pressing questions about the Grand Canyon State's tax system.

How to Use the Arizona Property Tax Calculator

Using our Arizona property tax calculator is simple and requires no personal information:

Select Your County: Choose your local jurisdiction (e.g., Maricopa, Pima, or Pinal County) from the dropdown menu.
Enter Property Value: Input the estimated market value or purchase price of the home.
Calculate Estimate: Click the button to reveal your estimated annual tax, monthly tax cost, effective tax rate, and your 10% Assessed Value.

Note: This calculator uses effective tax rates based on current market values to provide a fast, realistic estimate for homebuyers. Actual tax bills rely on your property's specific Limited Property Value (LPV) and highly localized school district rates.

How Arizona Property Taxes Are Calculated

To understand your az property tax rate, you must understand the unique way Arizona values property. Arizona uses a dual-valuation system that can confuse out-of-state buyers.

1. Full Cash Value (FCV) vs. Limited Property Value (LPV)

Full Cash Value (FCV): This is essentially the market value of your home—what it would sell for on the open market today.
Limited Property Value (LPV): This is the value actually used to calculate your property taxes. Thanks to Proposition 117 (passed in 2012), your LPV cannot increase by more than 5% per year, regardless of how fast the housing market is booming. Your taxes are calculated based on your LPV.

2. The 10% Assessment Ratio Once your LPV is determined, an assessment ratio is applied. In Arizona, owner-occupied residential homes (Class 3 property) are assessed at exactly 10%.

Example: If your home has an LPV of $400,000, your Assessed Value (the amount subject to taxation) is $40,000.

3. Primary vs. Secondary Taxes Arizona splits your tax bill into two distinct categories:

Primary Taxes: Used to fund the basic maintenance and operation of local governments, school districts, and community colleges.
Secondary Taxes: Used to pay for voter-approved bonds, budget overrides, and special taxing districts (like fire or library districts).

The Basic Formula: (Assessed Value / 100) × (Primary Tax Rate + Secondary Tax Rate) = Annual Property Tax

Arizona Property Tax Rates by County

If you are asking, "what is the property tax rate in Arizona?", the answer changes depending on where you live.

The table below outlines the estimated effective property tax rates for all 15 Arizona counties. Because millage rates and LPVs vary wildly by neighborhood, an effective rate (median taxes paid divided by median home value) is the most accurate way for a homebuyer to estimate their future tax burden.

County	Effective Tax Rate	Est. Tax on $400,000 Home
Apache	0.95%	$3,800
Cochise	0.77%	$3,080
Coconino	0.58%	$2,320
Gila	0.71%	$2,840
Graham	0.69%	$2,760
Greenlee	0.35%	$1,400
La Paz	0.62%	$2,480
Maricopa (Phoenix/Scottsdale)	0.61%	$2,440
Mohave	0.64%	$2,560
Navajo	0.76%	$3,040
Pima (Tucson)	0.98%	$3,920
Pinal	0.73%	$2,920
Santa Cruz	0.81%	$3,240
Yavapai	0.55%	$2,200
Yuma	0.85%	$3,400

Average Property Tax in Arizona

The average property tax in Arizona statewide is approximately 0.62%.

Compared to the national average of 0.99%, Arizona is incredibly tax-friendly for homeowners. For example, if you compare property tax in Arizona vs California, Arizona's average effective rate is lower than California's (~0.75%), and housing prices in Arizona are generally much lower, leading to vastly smaller annual tax bills.

Maricopa County Property Tax Rates (Phoenix & Scottsdale)

The vast majority of Arizona's population lives in Maricopa County. The maricopa county property tax rate averages out to a highly affordable 0.61%.

However, your exact property tax in Phoenix or your Scottsdale property tax rate will fluctuate depending on your specific school district. Areas with high voter-approved secondary taxes (bonds for schools or infrastructure) will see slightly higher bills than those in unincorporated areas. Generally speaking, a $500,000 home in Maricopa County will generate a tax bill of roughly $3,050 per year.

Highest and Lowest Property Tax Counties in AZ

Lowest Property Tax Rates: Greenlee County boasts the lowest effective property tax rate in the state at just 0.35%. Yavapai County (0.55%) and Coconino County (0.58%) are also exceptionally low.
Highest Property Tax Rates: Pima County (home to Tucson) has the highest effective rate in the state at approximately 0.98%, followed closely by Apache County (0.95%).

Property Tax Example: Phoenix, AZ

Let’s look at a practical calculation for phoenix arizona property tax.

Assume you purchase a home in Phoenix with a market value and LPV of $450,000:

Applying the 10% assessment ratio, your Assessed Value is $45,000.
Using the Maricopa County effective rate of roughly 0.61% against the total market value, your estimated annual property tax is $2,745.
Divided by 12, your monthly property tax payment to your mortgage escrow would be roughly $228.

(Keep in mind that in subsequent years, due to Prop 117, your home's taxable LPV cannot rise by more than 5%, meaning your tax bill will likely grow much slower than your home's actual resale value).

Arizona Property Tax Exemptions

While Arizona's base rates are low, certain residents can lower their tax burdens even further through exemptions:

Widow / Widower Exemption: A property tax exemption is available for widows and widowers who meet specific state residency and income limitations.
Persons with Disabilities Exemption: Similar to the widow exemption, totally and permanently disabled individuals who meet income limits can receive a reduction in their home's assessed value.
Senior Property Tax Valuation Protection (The "Freeze"): If you are 65 or older, have lived in your primary residence for at least two years, and meet specific income thresholds, you can apply to "freeze" the valuation of your property for three years, preventing your taxes from rising even if market values soar.

Important Arizona Property Tax Deadlines

When is property tax due in Arizona? Property taxes in Arizona are paid in arrears and are due in two half-installments:

October 1: The first half of the current year's taxes are due (and become delinquent if not paid by November 1).
March 1 (of the following year): The second half is due (and becomes delinquent if not paid by May 1).

If your taxes are paid through an escrow account, your mortgage servicer will handle these payments on your behalf.

Why Your Actual Property Tax Bill May Differ

The arizona property tax calculator above utilizes countywide effective rates. Your official tax bill sent by your County Treasurer may differ slightly for a few reasons:

School Districts: The biggest variable in Arizona property taxes is your local school district. Neighboring houses across a street can have different tax bills if they fall into different school boundaries.
Proposition 117 Cap: If the previous owner lived in the home for decades, their LPV might be drastically lower than the home's current market value.
Special Taxing Districts: Living in areas with special fire, library, or flood control districts adds additional secondary taxes to your bill.

Property Tax Calculator FAQs

What is the formula for calculating property taxes in Arizona? The formal calculation is: (Limited Property Value × 10% Assessment Ratio) ÷ 100 × (Combined Primary and Secondary Tax Rates). For a faster estimate, you can multiply your home's market value by your county's effective tax rate (averaging 0.62% statewide).

Are Arizona property taxes based on purchase price? Not directly. While the purchase price informs the Full Cash Value (FCV), Arizona taxes are levied against the Limited Property Value (LPV). Because the LPV is capped at a 5% maximum annual increase, a home's taxable value is often significantly lower than its recent purchase price or market value.

Are property taxes expensive in AZ? No, Arizona has some of the lowest property taxes in the nation. With a state average effective rate of roughly 0.62%, Arizona ranks highly for property tax affordability compared to the national average of 0.99%.

Why are AZ property taxes so low? Arizona property taxes are kept low primarily by Proposition 117, which caps the growth of a property's taxable value (LPV) at 5% per year. Additionally, Arizona relies heavily on sales tax and state income tax to fund state government, leaving property taxes strictly for local jurisdictions and schools.

What county in Arizona has the lowest property tax? Greenlee County has the lowest effective property tax rate in Arizona, averaging around 0.35%. Yavapai County (0.55%) and Coconino County (0.58%) are also among the lowest in the state.

Does Arizona have personal property tax? Arizona does levy personal property taxes on property used for commercial, industrial, or agricultural purposes. However, household goods and personal effects owned by individuals for non-commercial use (like your personal furniture or clothing) are exempt from property taxes.

Sources & Methodology

Data Sources: Median home values and median taxes paid are sourced from the U.S. Census Bureau’s American Community Survey (ACS) 5-Year Estimates. Assessment rules, LPV caps, and state exemptions are sourced from the Arizona Department of Revenue (ADOR) and the Maricopa County Assessor's Office.
Methodology: The calculator utilizes Effective Property Tax Rates. This is calculated by dividing total median property taxes paid by the median property value in a specific county. This method accurately accounts for the complex blend of Primary taxes, Secondary taxes, and LPV caps, providing the most realistic estimate for prospective homebuyers.
Limitations: This tool provides estimates for informational and educational purposes. Your actual tax liability is determined by your local County Assessor and County Treasurer based on your specific property's LPV and exact taxing districts.
Contact: If you represent an Arizona county tax office and wish to submit updated aggregate tax data, please contact us at theacftcalculator.us@gmail.com.