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Arizona Property Tax Calculator
2026
Enter your home value to get your exact Arizona property tax — annual bill, monthly escrow, exemptions, and 30-year projection.
Arizona Property Tax Estimator 2026
See exactly how property tax affects your monthly mortgage payment via escrow.
See what you'd pay in any state for the same home value.
Calculation Breakdown
| Market value | — |
| Assessment ratio | — |
| Assessed value | — |
| Exemptions applied | — |
| Taxable value | — |
| Effective tax rate | — |
| Annual property tax | — |
30-Year Tax Projection
Assumes 3% annual home appreciation, 2% annual tax rate increase. Actual future taxes may differ.
How to Appeal Your Arizona Tax Assessment
Appeal window in Arizona: 60 days from notice. Over 40% of US homeowners may be overpaying. Here's how to fight back:
Annual tax on a $350,000 home — highest & lowest states · Arizona rate: 0.51%
🔴 Highest Tax States
🟢 Lowest Tax States
📋 Arizona Note: Arizona assesses property at a fraction of market value, keeping effective rates low.
🏦 Escrow Impact: At Arizona's 0.51% average rate, property tax adds approximately $149/month to escrow on a $350K home.
🏠 Homestead Exemption
Arizona: Up to $3,965 reduction (Limited Property Value)
Apply at your county assessor's office — not automatic.
👴 Senior (65+) Exemption
Arizona: Valuation freeze for income-qualifying seniors 65+
Avg benefit: $500–$2,000/yr
🎖 Veteran Exemption
Arizona: 100% disabled veterans: full exemption
Check your state VA office for documentation requirements.
♿ Disability Exemption
Varies widely by state and disability level.
100% disabled homeowners may qualify for full exemption in TX, FL, and others.
Requires documentation from SSA or physician.
All 50 states ranked by effective rate · estimated annual tax on a $350K and $500K home · Arizona highlighted
| # | State | Effective Rate | On $350K Home | On $500K Home | Homestead Exemption | Burden Level |
|---|
Arizona Property Tax in 2026: Why Your Bill Is Lower Than You Think
You came here to run numbers through our Arizona property tax calculator — and you probably noticed something surprising: Arizona’s effective rate of 0.51% is less than half the national average of 0.90%. On a $400,000 home, the difference is roughly $1,560 per year compared to what that same home would cost you in an average state. That is money staying in your pocket every single year. Use the Arizona property tax calculator above to get your personalized 2026 estimate based on your county and exemptions — then read on to understand exactly how the system works, what you may be leaving on the table, and how to push your bill even lower.
Arizona’s low effective rate is not a fluke or a temporary budget gimmick. It is the direct result of a structural feature of state law: Arizona does not tax your home at its full market value. Instead, it uses a Limited Property Value (LPV) system that caps how fast your taxable base can grow — even when the Phoenix or Scottsdale market is running hot. For many Arizona homeowners, the value that actually gets taxed is significantly below what Zillow says your home is worth. The Arizona property tax calculator accounts for this distinction, which is why the numbers it shows you may be lower than a simple rate-times-market-value calculation would suggest.
How Arizona Property Tax Actually Works — What the Arizona Property Tax Calculator Is Measuring
Most states tax property based on a straightforward assessed value — some percentage of what your home is worth. Arizona adds a second layer that confuses many homeowners: the Limited Property Value. Understanding the difference between these two numbers is essential to reading your tax bill correctly.
Every Arizona property has two official values set each year by the county assessor:
- Full Cash Value (FCV) — the assessor’s estimate of what your home would sell for on the open market. This is comparable to assessed value in other states and reflects actual real-estate conditions.
- Limited Property Value (LPV) — a separate, legally capped figure that can only increase by a maximum of 5% per year (or the amount of new construction/improvements). This is the number that actually determines your tax bill for residential and commercial property.
The practical effect: when Arizona home values jumped sharply between 2021 and 2024, homeowners saw their Full Cash Value estimates spike on paper — but their actual tax bills grew much more slowly because the LPV was capped at 5% annual growth. The Arizona property tax calculator uses effective rate data that already reflects this LPV mechanism at the county level.
Limited Property Value × Assessment Ratio × Tax Rate = Annual BillExample: $420,000 home in Maricopa County (Phoenix area):
LPV might be $380,000 · Assessment ratio: 10% (owner-occupied residential) · Combined rate: ~0.55%
$380,000 × 10% × 5.5 per $100 = $2,090/year = $174/month escrow
One more layer matters: Arizona’s assessment ratio for residential owner-occupied property is 10% of the LPV. So only 10% of your limited value is actually multiplied by the tax rate. This ratio is baked into every number the Arizona property tax calculator produces, so you do not need to do the math manually.
Arizona Property Tax Rates by County 2026: The Spread Is Bigger Than You Expect
Arizona has 15 counties, and while the statewide effective rate averages 0.51%, individual county rates range from well under 0.40% in rural western Arizona to above 0.58% in the Tucson metro. The difference does not feel dramatic at first glance — but on a $500,000 home, the gap between Mohave County and Pima County translates to roughly $1,000 per year.
| County | Major Cities | 2026 Effective Rate | Annual Tax on $400K Home* |
|---|---|---|---|
| Pima | Tucson, Marana, Oro Valley | ~0.58% | ~$2,320 |
| Maricopa | Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Tempe | ~0.55% | ~$2,200 |
| Pinal | Casa Grande, Queen Creek, Apache Junction | ~0.52% | ~$2,080 |
| Yavapai | Prescott, Prescott Valley, Cottonwood | ~0.47% | ~$1,880 |
| Yuma | Yuma, San Luis | ~0.46% | ~$1,840 |
| Mohave | Kingman, Lake Havasu City, Bullhead City | ~0.38% | ~$1,520 |
| Statewide Average | — | ~0.51% | ~$2,040 |
*Estimates based on effective rates applied to market value; actual bills depend on your LPV and local levies. Use the Arizona property tax calculator above for your address-specific estimate.
Maricopa County deserves special attention because it accounts for over 60% of Arizona’s population. Phoenix, Scottsdale, Gilbert, and Chandler all sit within it, yet rates vary at the municipal level because cities, school districts, and special taxing districts each add their own levy on top of the county base rate. A home in a newer master-planned community may carry a Community Facilities District (CFD) assessment on top of standard county taxes — similar to Texas MUDs — which can push effective rates 0.1%–0.3% higher than the county average.
Arizona Property Tax Exemptions 2026: The Programs Most Homeowners Never Fully Use
Arizona does not have a traditional cash-value homestead exemption like Florida’s $50,000 deduction or Texas’s $140,000 school district exclusion. What it has instead is the Limited Property Value cap described above, which functions as a structural exemption built into every residential tax bill automatically. But there are additional programs that can cut your bill further — and they are significantly underutilized.
🧊 Senior Valuation Freeze (Arizona Form 82104)
This is Arizona’s most powerful property tax benefit for older homeowners — and one of the most overlooked. If you are 65 or older, have owned and occupied your home for at least two years, and your household income is below the qualifying threshold (adjusted annually by the Arizona Department of Revenue — approximately $43,872 for a single owner and $54,840 for multiple owners in recent years), you can freeze your home’s Limited Property Value for three years at a time.
What that means in practice: if your LPV is frozen at $280,000 and Arizona home values continue rising, your tax bill stays anchored to $280,000 indefinitely — as long as you renew the freeze and continue to qualify. On a market that appreciated 6% per year, a three-year freeze could save a qualifying senior homeowner $400–$900 in cumulative tax over that period, with even larger savings as values compound upward. File Form 82104 with your county assessor by September 1 of the tax year you want the freeze to apply.
🎖 Disabled Veteran Exemption
Arizona provides a property tax exemption for honorably discharged veterans with a service-connected disability. The exemption reduces the assessed value used to calculate taxes, with the amount scaling based on disability rating. 100% service-connected disabled veterans may qualify for a full exemption on their primary residence — meaning zero property tax. Surviving spouses of veterans killed in action may also be eligible. Contact the Arizona Department of Housing or your county assessor’s office for documentation requirements. The Arizona property tax calculator above applies the veteran exemption option when you check that box.
♿ Disability Exemption
Homeowners with permanent disabilities may qualify for a reduction in assessed value depending on income and disability status. Like the senior freeze, this program is income-tested and requires annual or periodic renewal with your county assessor.
Home market value: $600,000
Limited Property Value (LPV): $520,000 (grew slower than market)
Senior Valuation Freeze applied: LPV locked at $480,000 (prior freeze point)
Assessment ratio: 10% → Taxable assessed value: $48,000
Combined rate: ~5.5 per $100 assessed → Annual bill: ~$2,640
Without the freeze at current LPV of $520,000: ~$2,860/year
Freeze savings: ~$220/year — and growing as market appreciates
Arizona Property Tax Key Dates 2026 — Deadlines That Affect Your Arizona Property Tax Calculator Estimate
| Date | What Happens | Action Required |
|---|---|---|
| January 1, 2026 | Valuation date — assessor values your property as of this date | Ensure your property record is accurate (square footage, use type) |
| February–March 2026 | Notice of Valuation mailed by county assessor | Review both Full Cash Value and Limited Property Value carefully |
| 60 days from notice ⚠️ | Property tax appeal deadline | File a Petition for Review of Valuation — this window is strict |
| September 1, 2026 | Senior Valuation Freeze application deadline | File Form 82104 with your county assessor if you qualify |
| November 1, 2026 | First half of property tax bill due | Pay first installment; second half due March 1, 2027 |
| November 2, 2026+ | Interest accrues on unpaid first-half taxes | Late payment incurs 16% annual interest — pay on time |
| March 1, 2027 | Second half of property tax bill due | Pay second installment; same 16% interest penalty for late payment |
Arizona splits its property tax bill into two equal installments, which is meaningfully different from states like Texas that bill annually. If you have a mortgage, your lender collects both installments through your monthly escrow — so the November and March due dates happen automatically. If you own your home free and clear, set calendar reminders for both dates. The 16% annual interest rate on late payments is steep.
How to Lower Your Arizona Property Tax Bill by Appealing Your Valuation
Arizona homeowners can challenge both their Full Cash Value and their Limited Property Value — and the appeal process is more accessible than most people assume. The key constraint is the 60-day window from when your Notice of Valuation is mailed, typically in late February or early March. Miss that window and you forfeit the right to contest your 2026 valuation entirely.
Step-by-Step: Arizona Property Tax Appeal Process
When it arrives in the mail, compare the assessor’s Full Cash Value against recent sales of comparable homes nearby. Search the county assessor’s website — Maricopa County’s assessor portal is particularly robust — for recent comparable sales. If your FCV is higher than what similar homes actually sold for, you have a case.
Request your property record card from the county assessor. Verify square footage, number of bedrooms and bathrooms, lot size, pool or spa presence, and year of construction. Assessment errors in these fields are common, and each error inflates your tax bill. A phantom extra bedroom or 200 square feet of non-existent space can add $50–$150 to your annual bill.
File the petition with your county Board of Equalization (or directly with the County Assessor for an informal review first). In Maricopa County, this can be done online at the county assessor’s website. Include your evidence: comparable sales, property record errors, or an independent appraisal if warranted. There is no filing fee.
Most counties offer an informal review meeting with an assessor’s representative before the formal Board of Equalization hearing. This step resolves many cases quickly — if your comparables clearly support a lower value, adjustments are often made at this stage without formal proceedings.
If the Board of Equalization hearing does not produce a satisfactory result, you can appeal further to the Arizona Tax Court (Superior Court) or the Arizona State Board of Equalization, depending on property type. For most residential homeowners, the informal and Board stages are sufficient.
Arizona law gives you exactly 60 days from the mailing date on your Notice of Valuation to file an appeal. There are very few exceptions. Mark the date the moment your notice arrives — do not wait until you have gathered all your evidence to decide whether to file.
Arizona Property Tax Calculator Results Explained: What Every Number Means
The Arizona property tax calculator at the top of this page is built specifically for Arizona’s assessment structure in 2026. It uses county-level effective rates that reflect Arizona’s 10% assessment ratio, the Limited Property Value mechanism, and local levy stacking across school districts, county operations, and special districts. Here is what each result field means for an Arizona homeowner.
Annual Tax, Monthly, and Daily Breakdown
The top-line annual figure in the Arizona property tax calculator is your total estimated property tax for the year. Divide by 12 to get the monthly amount your lender collects into escrow — or your out-of-pocket cost if you own free and clear. The daily figure puts it in perspective: even at Pima County’s relatively higher rate, a $450,000 home costs roughly $7 per day in property taxes. That number is what makes Arizona so attractive compared to Texas ($15–$22/day) or Illinois ($23+/day) on the same home value.
Tax Burden Percentage
The Arizona property tax calculator shows your tax as a percentage of your home’s market value. Arizona’s 0.51% statewide average means you are paying about $5.10 per year for every $1,000 of home value. For context, the national average is $9.00 per $1,000. If your burden percentage is coming in above 0.65%, you are likely in a community with additional CFD or improvement district assessments — worth investigating with your county assessor.
30-Year Tax Projection
The projection tab shows cumulative taxes over 30 years assuming home appreciation and modest annual rate increases. For Arizona, this number is significantly lower than comparable projections in high-tax states. On a $400,000 Scottsdale home with 3% annual appreciation and 2% annual rate drift, the 30-year cumulative Arizona property tax is roughly $85,000–$100,000. The same home in New Jersey would produce a 30-year figure above $380,000. That $280,000+ lifetime difference is the real financial case for Arizona homeownership from a tax perspective.
Assessment Ratio Field
The Arizona property tax calculator defaults to 100% assessment ratio for display simplicity — it works backwards from effective rates that already account for Arizona’s 10% residential ratio. If you are using the Advanced tab and want to model your specific LPV versus market value difference, you can enter 10 in the Assessment Ratio field and use your LPV as the home value input for a more granular result.
Escrow Tab: Your True Monthly Housing Cost
The Escrow tab in the Arizona property tax calculator builds your complete PITI payment — Principal, Interest, Taxes, and Insurance. For Arizona buyers, this is where the low property tax rate becomes most tangible. On a $500,000 Chandler purchase with 20% down, 6.85% mortgage rate, and standard homeowner’s insurance, the Escrow tab of the Arizona property tax calculator will show you that property tax adds roughly $213/month to your payment. That is less than half what the same home would add in Texas, and nearly a third of what New Jersey homeowners carry.
$500,000 home in Chandler (Maricopa County, ~0.55% rate):
Annual property tax ≈ $2,750 → $229/month escrow
Add to a $2,660 P&I payment (20% down, 6.85% rate) + $150 insurance = $3,039 total PITI
Compare to Illinois at 1.97%: same home would add $821/month in property tax alone
Is Arizona a Low Property Tax State? How It Compares to Florida, Nevada, and Texas
Arizona is unambiguously a low-property-tax state — the 11th lowest effective rate in the country as of 2026. But the comparison to its Sun Belt competitors is nuanced and worth understanding before you make a relocation decision based purely on tax rates.
| State | Effective Rate | Annual Tax on $400K Home | State Income Tax | Key Note |
|---|---|---|---|---|
| Arizona | 0.51% | ~$2,040 | 2.5% flat (2023+) | LPV cap limits bill growth even in hot markets |
| Hawaii | 0.27% | ~$1,080 | 1.4%–11% | Lowest rate but very high home prices |
| Nevada | 0.53% | ~$2,120 | None | Similar rate; no income tax advantage |
| Colorado | 0.49% | ~$1,960 | 4.4% | Recent Prop HH changes lowered residential rates |
| Florida | 0.83% | ~$3,320 | None | Save Our Homes cap similar to AZ LPV |
| Texas | 1.80% | ~$7,200 | None | No income tax but property tax 3.5× Arizona’s |
| California | 0.73% | ~$2,920 | 1%–13.3% | Prop 13 cap similar to AZ LPV |
| New Jersey | 2.23% | ~$8,920 | 1.4%–10.75% | Highest rate in US; high income tax too |
The most important comparison for most Arizona homeowners is Arizona vs. Texas. Both are high-growth Sun Belt states with hot real-estate markets, significant inbound migration, and strong job growth. But Texas property taxes run at 3.5× Arizona’s effective rate. On a $500,000 home, that gap is roughly $6,450 per year, or $537 per month added to a Texas mortgage versus the same home in Arizona. Over 30 years with appreciation, that compounds to over $250,000 in additional property taxes paid in Texas. Arizona’s relatively modest 2.5% flat state income tax does not come close to erasing that gap for most income levels — which means Arizona’s total tax picture is genuinely competitive even accounting for having a state income tax.
Running the numbers in the Arizona property tax calculator state comparison tab makes this clear instantly. Nevada is Arizona’s closest competitor at 0.53%, with the added benefit of no state income tax. But Nevada’s property values in Las Vegas and Henderson have risen significantly, and the state’s heavy reliance on tourism revenue creates fiscal uncertainty. Colorado at 0.49% is slightly cheaper on property tax but carries a 4.4% state income tax. For buyers prioritizing the combination of moderate property taxes and a stable, growing economy, Arizona consistently ranks as one of the best-positioned states in the country.
More Free Tools for Arizona Homeowners
Understanding your property tax is one piece of the complete homeownership cost picture. These free calculators give you the full numbers:
- Home Loan Calculator — monthly payments, full amortization schedule, total interest, and complete PITI (including your Arizona property tax escrow) across five mortgage scenarios
- Barndominium Cost Calculator — build cost estimates by state including Arizona, with material, labor, and land breakdowns for metal building homes
- Barndominium vs. House Cost Calculator — side-by-side total cost comparison including financing, property taxes, and long-term maintenance for Arizona builds
- Land Cost Calculator — estimate raw land purchase and development costs in Arizona counties before you build
For official Arizona property tax data and exemption forms, these government resources are the authoritative source:
- Arizona Department of Revenue — Property Tax — official rate tables, exemption program details, Form 82104 (Senior Valuation Freeze), and annual assessment ratio reports published by the state
- Maricopa County Assessor — search your property’s Full Cash Value and Limited Property Value, download your property record card, and file an informal valuation review online — the most-used assessor portal in Arizona given Maricopa County’s 60%+ share of the state’s population
Frequently Asked Questions — Arizona Property Tax 2026
What is the Arizona property tax rate in 2026?
Arizona’s statewide average effective property tax rate is 0.51% in 2026 — well below the national average of 0.90%. County rates range from approximately 0.38% in Mohave County to 0.58% in Pima County (Tucson). The Arizona property tax calculator above uses your county’s specific rate for an accurate estimate. Arizona’s low rate reflects the Limited Property Value system, which caps annual taxable value growth at 5%.
How does Arizona’s Limited Property Value (LPV) work?
The Limited Property Value is Arizona’s built-in tax protection mechanism for property owners. While your home’s Full Cash Value reflects current market prices, your LPV can only increase by 5% per year (or the amount of new construction or improvements). Your actual property tax is based on the LPV, not the Full Cash Value — so when Arizona home values surge, your tax bill grows much more slowly. This is why the Arizona property tax calculator may show a lower bill than a simple market-value-times-rate calculation.
Does Arizona have a homestead exemption?
Arizona does not have a traditional dollar-amount homestead exemption like Florida or Texas. The equivalent protection is the Limited Property Value cap, which applies automatically to all residential properties. Additionally, qualifying seniors (65+, income-tested) can apply for a Senior Valuation Freeze using Form 82104, which locks the LPV for three years at a time and prevents any growth regardless of market conditions.
When is the Arizona property tax appeal deadline in 2026?
The deadline to appeal your Arizona property tax valuation is 60 days from the mailing date on your Notice of Valuation, which is typically received in late February or early March 2026. There is no fixed statewide date — it depends on when your county mails the notice. Missing this window forfeits your right to contest your 2026 Full Cash Value or Limited Property Value for the entire year.
Does Arizona have a senior property tax exemption?
Yes. Arizona offers a Senior Property Valuation Protection Program (commonly called the Senior Freeze) for homeowners aged 65 or older who meet income requirements and have owned and occupied their home for at least two years. Qualifying seniors can freeze their Limited Property Value for three-year renewable periods, preventing any increase in their taxable base. File Form 82104 with your county assessor by September 1 of the qualifying year.
Are 100% disabled veterans exempt from Arizona property tax?
Yes. Arizona homeowners with a 100% service-connected VA disability rating may qualify for a full property tax exemption on their primary residence. Partial exemptions apply at lower disability ratings. Surviving spouses of qualifying veterans may also be eligible. Contact your county assessor’s office or the Arizona Department of Veterans’ Services for current income thresholds and documentation requirements.
When is Arizona property tax due in 2026?
Arizona splits property tax into two installments. The first half is due November 1, 2026, and the second half is due March 1, 2027. Both deadlines carry a 16% annual interest rate on any unpaid balance — one of the steeper late-payment penalties in the country. If you carry a mortgage, your lender handles both payments from your escrow account automatically.
How accurate is the Arizona property tax calculator?
The Arizona property tax calculator uses county-level effective rates derived from 2025–2026 data cross-referenced against Arizona Department of Revenue sources and county assessor records. Because Arizona’s actual bill calculation involves the LPV (which varies per property) rather than a straight market-value percentage, the calculator produces reliable estimates but not exact figures. For a precise bill, contact your county assessor or check your most recent tax bill. The Arizona property tax calculator is accurate as a planning benchmark, mortgage budgeting tool, and state-comparison reference.
Sources: Arizona Department of Revenue (azdor.gov), Arizona Revised Statutes Title 42 (Taxation), county assessor data for Maricopa, Pima, Pinal, Yavapai, Yuma, and Mohave counties, Arizona Senior Property Valuation Protection Program (Form 82104), Arizona Department of Veterans’ Services, SmartAsset 2026 property tax data. Rates and program thresholds verified as of June 2026. Property tax rules, income thresholds for exemptions, and levy rates change annually — always confirm current amounts with your county assessor before filing.