Arizona Property Tax Calculator - Estimate your annual Arizona property tax from full cash value, assessment ratio, and local tax rate.

The Arizona property tax calculator estimates the annual tax on a home or other real property using the same method Arizona counties apply. Instead of taxing a house at its full market price, Arizona first reduces that value by an assessment ratio and then multiplies the result by a tax rate set by local districts.

• • Budget before closing: Homebuyers model the annual tax on a purchase price so they know the true carrying cost before signing.
• • Check a county bill: Owners compare the estimate against the official statement to catch valuation or rate errors early.
• • Plan a sale: Sellers see how the low effective rate affects the net proceeds and the comparison with other states.

You enter your property's full cash value, the assessment ratio (10% for most classes), your combined tax rate per $100 of assessed value, and any exemption. The tool returns your assessed value, estimated annual tax, and effective rate so you can read the result the way the county presents it.

Arizona is unusual because the taxable base is a small fraction of market value. That single design choice is why the state's average effective rate stays low even when local dollar rates look ordinary. The calculator makes the relationship between those numbers explicit.

If you rent out part of the home, the rental property tax calculator shows how the same Arizona assessment rules apply to income-producing real estate.

Arizona multiplies full cash value by the assessment ratio to find assessed value, then multiplies assessed value by the local rate expressed per $100 of assessed value.

• Full Cash Value: The county assessor's market-value estimate that starts every Arizona tax calculation.
• Assessment Ratio: The fraction assessed for tax; 10% for most residential property under Proposition 117.
• Combined Rate per $100: The sum of primary and secondary rates set by local districts each year.

The combined rate is the part most owners misread. It is printed as a dollar amount per $100 of assessed value, not as a percent of market price. A rate of $1.13 means $1.13 of tax for every $100 of assessed value, which is 1.13% of the assessed base.

Because assessed value is only 10% of full cash value for most homes, the effective rate on market value is roughly one-tenth of the combined rate. That is the gap between the headline dollar rate and the effective rate homeowners actually feel.

According to Arizona Department of Revenue, local primary and secondary tax rates are expressed per $100 of assessed valuation

According to Tax Foundation, ranks Arizona among the states with the lowest average effective property tax rates, near 0.5% of home value

Because property tax can be deductible on Schedule A, the federal income tax calculator helps you see how the deduction affects your overall federal bill.

Full cash value, the 10% assessment ratio, and the primary versus secondary tax rate explain most of what appears on an Arizona tax statement.

Reading a statement becomes easy once these four ideas click. The county shows full cash value and the 10% ratio, then lists primary and secondary rates that combine into the single number you enter here.

The assessment ratio is the quiet driver of Arizona's low ranking. Other states assess closer to market value, so their effective rates look higher even at similar dollar rates.

To see why Arizona's 10% assessment ratio produces such a low effective rate, the property tax comparison by state ranks Arizona against other states.

Gather your assessor's notice and tax statement, then enter each value exactly as printed to estimate your annual bill.

1. 1 Find full cash value: Locate it on the county assessor's valuation notice, usually near the top of the form.
2. 2 Confirm the assessment ratio: Use 10% for most residential property, or the class ratio the assessor lists for your property type.
3. 3 Enter the combined rate: Copy the combined primary and secondary rate per $100 of assessed value from the county treasurer's tax statement.
4. 4 Add any exemption: Enter the assessed-value reduction from an eligible exemption such as the 100% disabled veteran exemption.
5. 5 Read the result: The tool shows assessed value, estimated annual tax, and the effective rate as a share of full cash value.

A Pima County owner with a $300,000 full cash value, 10% ratio, and $1.25 combined rate enters those figures and sees a $375 estimate that matches the county statement.

Once you have an annual tax estimate, the mortgage calculator with taxes and insurance folds that figure into your full monthly housing payment.

Estimating your bill early helps you budget, spot valuation errors, and plan a home purchase or sale with realistic carrying costs.

• • Catch assessment errors: Compare your estimate against the county bill to surface mistakes in value or ratio before the appeal window closes.
• • Model rate changes: See how a higher or lower combined rate changes your annual cost before buying or before a local bond election.
• • See the true effective rate: Report the effective rate so you can compare Arizona's burden against other states on equal footing.

An estimate is also a negotiating tool. A buyer who knows the real tax can weigh a low list price against a high district rate that raises the monthly cost.

Sellers benefit too, because the low effective rate is a genuine selling point that the calculator quantifies rather than asserts.

Pairing your property tax estimate with the Arizona paycheck calculator lets you confirm that after-tax income covers both housing and living costs.

Your bill moves with full cash value, the assessment ratio, the local combined rate, and any exemption you claim.

• • The estimate excludes separate fees such as flood control and bond elections not included in the combined rate.
• • It does not replace the official county bill, which reflects final budgets and any late adjustments.

Two homes at the same market price can owe very different tax if they sit in different districts or different property classes.

Exemptions are the lever owners control directly, so confirming eligibility is worth the effort before filing.

According to Arizona Revised Statutes §42-11001, most Arizona property is assessed at 10% of its full cash value, the ratio established by Proposition 117

When a lower assessment ratio boosts your home's appeal at resale, the capital gains tax calculator estimates the federal tax on the eventual sale.