Local costs · Arizona
What a home costs across Arizona
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Arizona, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,018 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Arizona charges no state transfer or recording tax on a home purchase.
- Title insurance
- Arizona uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Arizona income tax is modeled at about 2.08% effective for a married household at $100,000 (2.29% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 15 counties in Arizona
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Apache County | 0.90% | $1,230–$2,740typical $1,890 |
| Cochise County | 0.60% | $1,350–$3,020typical $2,080 |
| Coconino County | 0.46% | $1,510–$3,360typical $2,320 |
| Gila County | 0.51% | $1,880–$4,190typical $2,890 |
| Graham County | 0.48% | $960–$2,130typical $1,470 |
| Greenlee County | 0.33% | $940–$2,100typical $1,450 |
| La Paz County | 0.64% | $490–$1,100typical $760 |
| Maricopa County | 0.44% | $490–$1,100typical $760 |
| Mohave County | 0.44% | $880–$1,960typical $1,350 |
| Navajo County | 0.59% | $1,220–$2,710typical $1,870 |
| Pima County | 0.71% | $750–$1,680typical $1,160 |
| Pinal County | 0.47% | $720–$1,600typical $1,100 |
| Santa Cruz County | 0.61% | $1,590–$3,550typical $2,450 |
| Yavapai County | 0.41% | $1,240–$2,760typical $1,900 |
| Yuma County | 0.61% | $490–$1,100typical $760 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.