Estimate your Arizona property tax based on the state's 0.51% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in Arizona
Arizona has among the lowest effective property tax rates in the nation. Bills are based on a Limited Property Value that can rise no more than 5% a year, and owner-occupied primary rates are capped at 1% with a 40% school-tax credit.
Counties set a Full Cash Value, but taxes are based on the Limited Property Value (LPV), which can't exceed full cash value and can rise no more than 5% per year. The residential assessment ratio is 10%, so assessed value equals 10% of LPV. Owner-occupied primary (operating) rates are capped at 1% of LPV — with the state covering any overage — and owners also get a 40% school-tax credit up to $600 a year.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $1,275 | $106/mo |
| $368,000 (median) | $1,877 | $156/mo |
| $600,000 | $3,060 | $255/mo |
Effective rates vary within Arizona. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 ACS 5-year (SmartAsset)) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Maricopa County | 0.40% |
| Pima County | 0.65% |
| Pinal County | 0.41% |
| Yavapai County | 0.37% |
| Mohave County | 0.39% |
| Yuma County | 0.54% |
| Coconino County | 0.42% |
| Cochise County | 0.53% |
Among these counties, effective rates range from about 0.37% in Yavapai County to 0.65% in Pima County. Your actual rate depends on the local mill/millage set by your county, city, and school district.
Arizona has no general property-tax homestead exemption that lowers assessed value for all owners. Instead, owner-occupied homes benefit from the 1% primary-rate cap on Limited Property Value and the 40% school-tax credit worth up to $600 a year. (Arizona's separate $400,000 homestead exemption is creditor protection, not a tax reduction.)
The Senior Property Valuation Protection Option ('senior freeze') freezes a qualifying homeowner's Limited Property Value for a renewable three-year term for owners 65+ who have lived in the home at least two years and meet income limits (about $47,712 single / $59,640 for multiple owners for 2026); it freezes value, not the rate. The Widow/Widower, Disabled Person, and Disabled Veteran exemption cuts assessed value by up to $4,873 (2025 cap, set annually) subject to income limits, and Proposition 130 (2022) made 100% disabled veterans eligible.
Taxes are paid in two installments: the first half is due October 1 (delinquent after November 1) and the second half is due March 1 of the following year (delinquent after May 1). Owners may instead pay the full year by December 31 without interest.
Appeal the assessor's valuation within 60 days of the notice of value, then to the county or State Board of Equalization. Alternatively, a taxpayer may appeal directly to the Arizona Tax Court, generally by December 15.
Arizona's effective property tax rate is about 0.48% of home value — among the lowest in the nation — kept low by the Limited Property Value system and the 1% primary-rate cap on owner-occupied homes.
The Senior Property Valuation Protection Option freezes the Limited Property Value (the base used to calculate taxes) for a renewable three-year term for owners 65 or older who meet residency and income limits. It locks the value, not the tax rate.
Taxes apply to assessed value, which for homes is 10% of the Limited Property Value. The LPV can grow no more than 5% per year, and owner-occupied primary rates are capped at 1% of LPV, with a 40% school-tax credit up to $600.