United States · Transfer Tax
Arizona charges no transfer tax at any level of government — the state abolished its property tax on mortgages in 1974 and has no deed stamp. Buyers pay a small affidavit of property value filing fee (about $30) and recording fees. The practical consequence: closing costs in Arizona skew entirely to title insurance, escrow, and lender fees, and the effective rate is near zero on the tax side. For investors comparing markets, this is one of the cheapest US states to buy into from a transfer perspective.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at $450,000.00
Arizona pays $0.00 (0%) vs Arizona at $0.00 (0%).
No state transfer tax or deed stamp; only a small filing fee for the affidavit of property value. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| All values | Flat 0% of the full value |
Indicative figures compiled August 2026 — official source: Arizona Department of Revenue. Rates are typically indexed or revised each financial year.
A USD 450,000.00 purchase in Arizona attracts about USD 0.00 in transfer tax at the standard indicative rates — an effective rate of 0%. Recording fees run $30–100; title insurance is the main closing cost. That makes the all-in cash requirement USD 450,000.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
No state transfer tax or deed stamp; only a small filing fee for the affidavit of property value. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Arizona Department of Revenue before you commit.
At the indicative rates above, a USD 450,000.00 property attracts about USD 0.00 in transfer tax — an effective rate of 0%. Recording fees run $30–100; title insurance is the main closing cost.. The calculator above lets you change the price and see the result instantly.
There is no general first-time buyer exemption in Arizona at the standard indicative rates. No state transfer tax on residential real estate. Check current eligibility rules with Arizona Department of Revenue.
The buyer pays the tax in essentially every case in this market. It is payable in full before or at settlement and cannot normally be added to a mortgage, so it must be part of your cash budget alongside the deposit.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Arizona Department of Revenue or a qualified local professional.
