The average Arizona property tax rate is about 0.48% of a home’s value, which comes to roughly $1,879 a year on the typical Arizona home. That makes Arizona property tax one of the lower burdens in the country. This guide breaks down the Arizona property tax rate, what the typical bill looks like, how your bill is figured, where the money goes, and — most useful of all — how
to check whether you are overpaying and how to pay less.
Arizona Property Tax at a Glance
| Effective tax rate | 0.48% |
| Median annual bill | $1,879 |
| Median home value | $394,500 |
| Rank among states | #47 of 50 highest |
| vs. U.S. average | $2,392 below the U.S. average ($4,271) |
| Reassessed | Annually — the assessor determines a new value for each property as of January 1 each year, and property owners receive a Notice of Value before the tax bill. |
Rate & bill: U.S. Census Bureau ACS 2024 5-year (effective rate B25090/B25082 – the Tax Foundation method; median bill B25103; value B25077).
| Arizona Property Tax | Figure |
|---|---|
| Effective property tax rate | 0.48% |
| Median annual property tax bill | $1,879 |
| Median home value | $394,500 |
| Rank (highest to lowest) | #47 of 50 states |
| U.S. average bill | $4,271 |
In This Arizona Guide:
What Is the Arizona Property Tax Rate?
The Arizona property tax rate is not one flat number — it is the combined result of your county, city, township, and school-district rates, applied to your home’s assessed value. Across Arizona, homeowners pay about 0.48% of their home’s value on average, or around $1,879 a year on a typical $394,500 home. That puts Arizona near the bottom nationally — ranked #47 of 50 states from highest to lowest. Two
homes worth the same amount can still owe very different bills depending on the town and school district, so treat the statewide figure as a starting point, not your exact bill.
If your bill went up, start by reading the values on your Notice of Value — the assessed value is what your taxes are actually calculated from, and it’s worth making sure the details about your home are correct. Many homeowners also qualify for relief they never applied for, so it’s worth asking your county assessor about senior, veteran, widow/widower, or disability programs. If the value still looks too high,
you generally have the right to appeal to your county assessor — check your assessment notice for how and by when.
Think your Arizona bill is too high? Check in two minutes.
How Arizona Property Tax Is Calculated
Your Arizona property tax starts with an assessed value set by County assessors — each of Arizona’s 15 counties has an elected County Assessor who locates, classifies, and values taxable property, working under valuation standards and manuals set by the Arizona Department of Revenue.. Your assessor sets a Full Cash Value (essentially market value) for your property, then calculates a Limited Property Value, and an assessment ratio fixed in law
for your property class is applied to arrive at the assessed value that your taxes are actually figured on.
Look at the values printed on your Notice of Value or tax bill rather than relying on any single rate — check your assessment notice for your own figures. That assessed value is then multiplied by the combined local tax rate to produce your bill. In Arizona, property is generally reassessed Annually — the assessor determines a new value for each property as of January 1 each year, and property
owners receive a Notice of Value before the tax bill..
The single most important number to check is your assessed value: if it is higher than what your home would sell for, your bill is too high — and that is exactly what an appeal fixes.
The actual rates in Arizona are set by No single office sets the rate. Each local taxing authority sets its own levy — your county, city or town, school districts, community college district, and special districts (such as fire districts) — and those combine into the total rate on your bill.. That is why your neighbor one town over can pay a different bill on an identical house.
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Where Your Arizona Property Tax Money Goes
Arizona property taxes mostly fund local public services close to home. School districts typically take the largest share, followed by city and county services, community colleges, and special districts like fire and roads. For most Arizona homeowners, the school-district share is the biggest single piece of the bill, which is why property taxes tend to be highest where schools rely most on local funding.
One Arizona note: Arizona limits how much the taxable Limited Property Value can rise from one year to the next, which cushions homeowners against sharp swings in the market — so the value your bill is based on generally grows more slowly and predictably than full market value. (See the data box above for any current figures.)
How Arizona Property Tax Compares
The U.S. average property tax bill is about $4,271 a year. The typical Arizona bill of $1,879 is $2,392 below that. Remember that a low rate does not always mean a low bill — a state with cheap rates but expensive homes can still cost you more than Arizona. The dollar bill and your own assessment matter more than the headline rate.
How to Lower Your Arizona Property Tax
You cannot change the Arizona property tax rate, but you have two real levers on your own bill. First, claim every exemption you qualify for. Arizona offers property tax relief that can lower a qualifying homeowner’s bill — including exemptions for widows and widowers, people with a total and permanent disability, and disabled veterans, plus a “Senior Freeze” (Property Valuation Protection Option) that can lock in the valuation for older
homeowners who meet age and income tests.
These have eligibility rules, so check with your county assessor to see whether you qualify — do not assume amounts from this page. Second, appeal your assessment if your home is valued higher than it would sell for — studies suggest a large share of homes are over-assessed, and appeals often succeed.
Don’t want to appeal your Arizona taxes yourself? A property tax appeal service can file everything for you and usually only charges if it wins — typically a share of what it saves you. It is one option; you can also appeal on your own for free.
Frequently Asked Questions
What is the Arizona property tax rate?
The average effective Arizona property tax rate is about 0.48% of a home’s value, based on U.S. Census data. On the typical Arizona home that works out to roughly $1,879 a year. Your own bill depends on your county, city, and school district, plus any exemptions you claim — see the data box above.
Why is my Arizona property tax so high?
Property tax in Arizona is driven mostly by your local rates (especially school levies) and by your home’s assessed value. If your assessment is higher than what your home would actually sell for, you may be overpaying — that is the most common reason a bill is too high, and it is something you can appeal.
How can I lower my Arizona property tax?
Two things help most in Arizona: make sure you are claiming every exemption you qualify for (homestead, senior, veteran, or disability), and appeal your assessment if your home is over-valued. Both can lower your bill, and both are free to do yourself.
Arizona Property Tax Sources & Data
- Arizona Department of Revenue (property tax): https://azdor.gov/business/property-tax
- Tax Foundation — Property Taxes by State & County: taxfoundation.org
- U.S. Census Bureau (American Community Survey): census.gov/acs
- Lincoln Institute of Land Policy (property tax data): lincolninst.edu
Arizona property tax rates and typical bills on this page come from U.S. Census (American Community Survey) data as
published by the Tax Foundation, and were last checked in July 2026. Rates and bills change each year and vary by county
— confirm your own figures with your county assessor before you rely on them.
More Property Tax Guides
- Property Tax Rates by State
- Property Tax by County
- Are You Overpaying? Over-Assessment Checker
- Property Tax Exemption Finder
Disclaimer: This guide is informational only and is not legal, tax, or financial advice. Know Property Tax is an independent educational resource. It is not a government agency, not a county assessor, and not a tax-appeal service. Property tax rates, bills, exemptions, and deadlines change over time and vary by county and property. Confirm anything that affects your taxes with your county assessor or a licensed professional before you act.