Arizona has no real estate transfer tax, does not require an attorney at closing and imposes only limited seller disclosures. It allows both court and out-of-court foreclosure and is a community property state.
Arizona in short
Is there a real estate transfer tax in Arizona?
Arizona charges no percentage transfer tax on a home sale. The Arizona Constitution bars new transfer taxes and fees, and the only per-sale charge is a $2 fee included in the $30 per instrument county recording fee.
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What closing costs does Arizona law set?
Arizona has no official typical closing-cost total. It charges no transfer tax, the county recorder charges $30 per instrument, and title insurers must charge their filed rates.
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How is property tax calculated in Arizona?
Arizona taxes a home on its limited property value, which can rise at most 5% a year, and owner-occupied homes are assessed at 10% of that value. A Phoenix example at 2026 Maricopa rates totals 12.6252 per $100 of assessed value, about $4,419 on a $350,000 limited value.
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What is the deadline to appeal a property tax assessment in Arizona?
In Arizona, file a petition with the county assessor within 60 days after the Notice of Valuation was mailed, stating your opinion of value and a method. If the assessor denies it, appeal within 25 days to the county board of equalization or superior court.
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Do you need a real estate attorney to close in Arizona?
Arizona law does not require an attorney to buy or sell a home. Instead an escrow agent must hold a state license (A.R.S. 6-813), and a licensed broker or salesperson handles most transactions.
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What must a home seller disclose in Arizona?
Arizona has no statewide seller disclosure form in the statutes reviewed. A.R.S. 32-2156 bars lawsuits over failure to disclose a death, felony, HIV or AIDS exposure, or a nearby sex offender. Specific disclosures apply only in certain cases such as HOA documents and rural parcels.
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How does foreclosure work in Arizona?
Most Arizona foreclosures are non-judicial trustee's sales under a deed of trust, and the earliest sale date is the 91st day after the trustee records the notice of sale.
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What first-time home buyer programs does Arizona offer?
Arizona has no single state down payment program: the Arizona Industrial Development Authority's Home Plus offers up to 4% in down payment and closing cost help, forgiven after 5 years, for incomes up to $155,386.
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Is Arizona a community property state?
Arizona is a community property state: property either spouse acquires during marriage is community property, and both spouses must sign any deed or mortgage on community real property (A.R.S. 25-211, 25-214).
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Which natural hazards affect home insurance in Arizona?
Maricopa County recorded 430 heat-related deaths in 2025, down from 608 in 2024. Flood is the hazard standard insurance leaves out, and flood insurance is required only in high-risk zones with a federally backed mortgage.
Arizona guides
- Closing costs in Arizona: what buyers and sellers pay
- Real estate transfer tax in Arizona: none, plus a $2 fee
- Arizona property tax: the 5% value limit and how bills work
- Seller disclosure in Arizona: SPDS, statute and lead paint
- Do you need a real estate attorney to close in Arizona?
- Foreclosure in Arizona: trustee's sale timeline and rights
- Home prices in Arizona and Phoenix: median value and trend
- First-time home buyer programs in Arizona: Home Plus, Phoenix
- How to verify a real estate license in Arizona
- Arizona community property: what it means when you buy a home (state-specific topic)
- Arizona natural hazards and home insurance: heat, floods, fire (state-specific topic)