Property tax by ZIP code in Arizona
Enter an Arizona ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Arizona state median.
Look up an Arizona ZIP code
Enter a 5-digit Arizona ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't an Arizona ZIP code. This page covers Arizona only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Arizona's effective property-tax rate is one of the lowest in the country — around 0.48% of value statewide — and the reason is structural. Homes are taxed on their Limited Property Value (LPV), not their full market value, and a constitutional cap holds LPV growth to no more than 5% a year — so the taxable base lags the market, especially in fast-appreciating areas.
Enter a 5-digit Arizona ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how the ZIP compares to the Arizona state and US national medians. The explainer below covers the LPV-versus-full-cash-value system, the 10% residential assessment ratio, the 1% primary-residence cap, and the senior freeze and widow/disability exemptions.
How Arizona property tax works
Arizona assesses property at the county level, and the wrinkle that shapes every bill is that each parcel carries two values: the Full Cash Value (FCV), an estimate of market value, and the Limited Property Value (LPV). Your property tax is levied on the LPV, not the FCV — and the LPV can rise by no more than 5% a year (the lesser of the FCV or last year's LPV plus 5%) under Proposition 117, effective since the 2015 tax year. Owner-occupied homes (Class 3) are then assessed at a 10% ratio, so a home with a $400,000 LPV has an assessed value near $40,000 before local rates apply.
On top of that, the Arizona Constitution caps total primary-residence ad valorem taxes at 1% of full cash value; if the combined rate would exceed that, the state helps backfill the difference for school taxes. Values are set annually, with the assessor's notice arriving the year before the tax is billed.
For relief, the Senior Property Valuation Protection program ("senior freeze") lets owners 65 and older who have lived in their primary residence at least two years fix the LPV in place, subject to income limits tied to the federal SSI benefit rate (400% for one owner, 500% for two or more). The widow, widower, and total-disability exemption removes a set amount of assessed value — a statutory base of $4,188 that is adjusted for inflation each year — for those who qualify. A 2025 bill (HB 2672) to fully exempt the homes of 100%-disabled veterans passed the House but stalled in the Senate; it is a proposal, not law.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- How long you've owned it. The 5% annual LPV cap means a long-held home can sit well below market value, while a recent purchase eventually catches up — so neighbors with identical homes can owe different amounts.
- Local rates and districts vary. County, city, school, and special-district levies stack on top of the assessed value, so two homes with the same LPV in different districts diverge.
- The freeze and exemptions. The senior valuation freeze, the widow/widower and disability exemptions, and the 1% primary-residence ceiling each pull a qualifying owner's bill below the ZIP median.
Arizona has no single statewide bill lookup — each county treasurer runs its own. The Maricopa County property-tax-bill page is a working example; for other counties, start with your county treasurer.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 330 Arizona ZIPs.
Topcoding in Arizona. The Census caps median property tax at $10,000, reporting anything higher as $10,001. Arizona's low assessment ratio and LPV cap keep essentially every ZIP below the cap, so the figures here are true medians.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. Arizona taxes the LPV (capped at 5% growth a year) at a 10% residential ratio, caps primary-residence tax at 1% of full cash value, and the senior freeze and widow/disability exemptions move qualifying owners further from the median.
Why might my ZIP show $10,001 as the median tax?
That's the Census topcode for privacy, but it's essentially absent in Arizona — the low assessment ratio and LPV cap keep medians under the $10,000 cap, so the figures here are true medians.
Where do I find my actual Arizona property tax bill?
Through your county treasurer. Arizona has no statewide pay-your-bill portal; each county runs its own. The Maricopa County property-tax page is a working example.
When does Arizona data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section (assessment method, exemptions, local taxing structure) to be genuinely useful. High-search-volume states are going live first.