Property Taxes in Phoenix, Arizona
Median Phoenix, Arizona effective property tax rate: 0.46%, significantly lower than the national median of 1.02%, and lower than the Arizona state median of 0.51%.
Median Phoenix, Arizona home value: $330,800
Median annual Phoenix, Arizona tax bill: $1,574, $826 lower than the national median property tax bill of $2,400.
How are property taxes in Maricopa calculated?
Property taxes in Phoenix, Arizona are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Phoenix's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Phoenix, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Phoenix Property Tax Calculator Work?
Use this Phoenix property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Phoenix's median effective tax rate of 0.46% — based on actual property records in Maricopa County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Phoenix's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Phoenix: rates range from $786.00 in 85040 to $3,324.00 in 85045, primarily due to differences in school district levies and local assessment districts. Phoenix's median effective tax rate is lower than the national median property tax rate of 1.02%, and the median property tax bill of $1,574 is lower than the national median property tax bill of $2,400.
If your estimate is higher than expected, Ownwell can appeal your Phoenix assessment — you only pay if we save you money.
About Phoenix Property Taxes
About Property Taxes in Phoenix, Maricopa, Arizona
Phoenix’s median effective property tax rate of 0.46% is lower than the Arizona state median of 0.51% and lower than the national median of 1.02%. This rate reflects the Maricopa County base levy combined with local school district levies and Community facilities districts (CFDs) that vary by subdivision throughout the city.
Property tax rates are not uniform across Phoenix. Homeowners in the 85045 ZIP code carry a median effective rate of 0.66%, while those in 85018 pay 0.41%. This spread — 0.25 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Maricopa County. Understanding which part of Phoenix you live in can make a meaningful difference to your annual tax bill.
Phoenix homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the April 21, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Phoenix, Maricopa County, Arizona
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Phoenix's effective property tax rate to other cities in Arizona and the median property tax rates in Arizona and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Phoenix Tax Rate
0.46%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Maricopa County Tax Rate
0.46%
Median Effective Arizona Tax Rate
0.51%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Phoenix, Maricopa County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85003 | 0.25% | 0.34% | 0.45% | 0.70% | 0.81% |
| 85004 | 0.21% | 0.31% | 0.56% | 0.65% | 0.74% |
| 85006 | 0.20% | 0.24% | 0.37% | 0.49% | 0.60% |
| 85007 | 0.19% | 0.25% | 0.37% | 0.48% | 0.66% |
| 85008 | 0.23% | 0.30% | 0.42% | 0.49% | 0.57% |
| 85009 | 0.22% | 0.27% | 0.40% | 0.54% | 0.66% |
| 85012 | 0.25% | 0.40% | 0.59% | 0.72% | 0.86% |
| 85013 | 0.26% | 0.35% | 0.50% | 0.60% | 0.72% |
| 85014 | 0.26% | 0.34% | 0.49% | 0.60% | 0.69% |
| 85015 | 0.21% | 0.26% | 0.35% | 0.45% | 0.55% |
| 85016 | 0.30% | 0.43% | 0.58% | 0.68% | 0.82% |
| 85017 | 0.21% | 0.24% | 0.31% | 0.46% | 0.51% |
| 85018 | 0.29% | 0.35% | 0.41% | 0.56% | 0.70% |
| 85019 | 0.25% | 0.29% | 0.36% | 0.41% | 0.60% |
| 85020 | 0.26% | 0.35% | 0.48% | 0.59% | 0.70% |
| 85021 | 0.24% | 0.32% | 0.50% | 0.61% | 0.70% |
| 85022 | 0.32% | 0.40% | 0.47% | 0.58% | 0.67% |
| 85023 | 0.31% | 0.38% | 0.50% | 0.61% | 0.70% |
| 85024 | 0.33% | 0.41% | 0.47% | 0.51% | 0.55% |
| 85027 | 0.27% | 0.32% | 0.37% | 0.43% | 0.48% |
| 85028 | 0.37% | 0.41% | 0.45% | 0.51% | 0.57% |
| 85029 | 0.27% | 0.32% | 0.38% | 0.47% | 0.55% |
| 85031 | 0.29% | 0.33% | 0.36% | 0.56% | 0.72% |
| 85032 | 0.31% | 0.36% | 0.41% | 0.50% | 0.55% |
| 85033 | 0.25% | 0.34% | 0.39% | 0.55% | 0.73% |
| 85034 | 0.21% | 0.26% | 0.37% | 0.55% | 0.61% |
| 85035 | 0.31% | 0.34% | 0.38% | 0.68% | 0.75% |
| 85037 | 0.32% | 0.37% | 0.44% | 0.55% | 0.67% |
| 85040 | 0.20% | 0.22% | 0.30% | 0.52% | 0.69% |
| 85041 | 0.24% | 0.34% | 0.54% | 0.67% | 0.76% |
| 85042 | 0.22% | 0.30% | 0.52% | 0.73% | 0.82% |
| 85043 | 0.35% | 0.40% | 0.46% | 0.55% | 0.62% |
| 85044 | 0.47% | 0.50% | 0.57% | 0.64% | 0.72% |
| 85045 | 0.51% | 0.59% | 0.66% | 0.72% | 0.75% |
| 85048 | 0.48% | 0.55% | 0.63% | 0.70% | 0.76% |
| 85050 | 0.43% | 0.47% | 0.52% | 0.60% | 0.68% |
| 85051 | 0.22% | 0.28% | 0.35% | 0.41% | 0.51% |
| 85053 | 0.32% | 0.36% | 0.42% | 0.50% | 0.58% |
| 85054 | 0.41% | 0.46% | 0.58% | 0.67% | 0.77% |
| 85083 | 0.45% | 0.49% | 0.54% | 0.61% | 0.67% |
| 85085 | 0.44% | 0.47% | 0.53% | 0.59% | 0.65% |
| 85086 | 0.50% | 0.54% | 0.61% | 0.67% | 0.74% |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Assessment Values Across Phoenix, Maricopa County, Arizona
When examining property taxes in Phoenix, Arizona, understanding the distinction between “market value” and “assessed value” is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Maricopa County assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Maricopa County, assessment notices are sent in February each year. They’ll typically reach your mailbox by the middle of February.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Phoenix.
For example, the median home price in Phoenix is $330,800, with tax bills ranging significantly across the county. 85018 has the highest median home price at $700,200.
Property Tax Assessment Values Across Phoenix, Maricopa County, Arizona
Source: Ownwell
$69,000
$1,217,500
$2,366,000
Median Phoenix Market Value
$330,800
Median Maricopa County Market Value
$369,000
Median Arizona Market Value
$327,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Phoenix, Maricopa County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85003 | $227,060 | $321,800 | $519,900 | $640,100 | $762,760 |
| 85004 | $204,150 | $283,300 | $371,250 | $481,900 | $627,320 |
| 85006 | $266,240 | $321,600 | $372,800 | $443,550 | $535,230 |
| 85007 | $194,360 | $243,600 | $367,700 | $502,850 | $687,630 |
| 85008 | $186,200 | $243,400 | $310,800 | $398,400 | $515,700 |
| 85009 | $165,100 | $202,800 | $228,300 | $256,100 | $292,800 |
| 85012 | $169,500 | $321,625 | $576,500 | $797,750 | $1,070,900 |
| 85013 | $209,180 | $317,800 | $414,800 | $501,500 | $727,160 |
| 85014 | $191,600 | $246,800 | $382,000 | $502,600 | $645,300 |
| 85015 | $150,200 | $230,100 | $302,100 | $355,700 | $428,200 |
| 85016 | $225,300 | $314,250 | $427,100 | $607,300 | $1,014,960 |
| 85017 | $181,700 | $236,300 | $255,700 | $272,300 | $289,100 |
| 85018 | $236,500 | $405,075 | $700,200 | $1,181,800 | $1,907,400 |
| 85019 | $222,900 | $251,000 | $264,600 | $279,300 | $297,550 |
| 85020 | $199,200 | $251,700 | $339,600 | $515,000 | $764,140 |
| 85021 | $203,960 | $280,600 | $371,350 | $611,625 | $856,060 |
| 85022 | $130,431 | $259,775 | $365,000 | $482,025 | $604,100 |
| 85023 | $241,700 | $307,600 | $348,600 | $421,100 | $578,300 |
| 85024 | $292,120 | $332,600 | $404,600 | $501,700 | $617,300 |
| 85027 | $207,700 | $275,600 | $317,500 | $349,000 | $396,210 |
| 85028 | $389,500 | $463,650 | $543,050 | $647,350 | $978,010 |
| 85029 | $212,300 | $275,100 | $306,500 | $331,500 | $365,800 |
| 85031 | $223,800 | $245,700 | $259,500 | $273,600 | $288,100 |
| 85032 | $199,000 | $298,600 | $369,600 | $456,100 | $562,600 |
| 85033 | $163,200 | $240,800 | $261,000 | $277,600 | $294,800 |
| 85034 | $144,800 | $194,500 | $252,600 | $302,050 | $366,200 |
| 85035 | $226,100 | $240,800 | $253,700 | $270,300 | $286,000 |
| 85037 | $235,500 | $261,250 | $283,000 | $314,100 | $350,000 |
| 85040 | $160,740 | $212,800 | $259,300 | $299,700 | $355,500 |
| 85041 | $220,300 | $253,800 | $300,200 | $347,550 | $409,700 |
| 85042 | $219,760 | $266,000 | $314,500 | $386,700 | $529,040 |
| 85043 | $242,000 | $265,200 | $291,700 | $325,700 | $362,300 |
| 85044 | $283,500 | $327,100 | $381,600 | $449,750 | $566,940 |
| 85045 | $373,300 | $428,700 | $511,200 | $629,625 | $735,110 |
| 85048 | $259,580 | $361,025 | $446,000 | $574,575 | $697,300 |
| 85050 | $334,120 | $408,800 | $499,700 | $705,500 | $892,740 |
| 85051 | $174,300 | $265,000 | $293,500 | $320,300 | $345,200 |
| 85053 | $232,500 | $283,100 | $323,300 | $357,800 | $401,700 |
| 85054 | $300,570 | $379,200 | $535,200 | $755,450 | $887,600 |
| 85083 | $375,700 | $436,600 | $527,800 | $617,575 | $714,300 |
| 85085 | $358,000 | $431,700 | $536,500 | $651,100 | $765,620 |
| 85086 | $333,500 | $425,050 | $540,200 | $698,150 | $838,300 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Bills Across Phoenix, Maricopa County, Arizona
Property tax bills in Phoenix are based on the assessed value of a home and the local tax rates set by taxing authorities. For many homeowners, the bill reflects how the market value of the property is translated into a taxable amount, which can change from year to year. With a median home price of $330,800, Phoenix homeowners may see very different tax bills depending on location, exemptions, and how the property is assessed.
The tax bill can have a meaningful impact on monthly housing costs, especially when the bill is higher than expected. In Phoenix, the tax bill ranges from $786 in ZIP code 85040 to $3,324 in ZIP code 85045, showing how much bills can vary across the city. The 25th percentile tax bill is $974, while the 75th percentile is $2,547.
Ownwell helps homeowners lower property tax bills by reviewing assessments, identifying savings opportunities, and filing appeals when a home is overassessed.
Median Phoenix Tax Bill
$1,574
Median Maricopa County Tax Bill
$1,779
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Phoenix, Maricopa County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85003 | $645 | $1,597 | $2,329 | $3,344 | $4,860 |
| 85004 | $603 | $1,136 | $1,995 | $2,694 | $3,664 |
| 85006 | $618 | $881 | $1,354 | $1,931 | $2,603 |
| 85007 | $476 | $763 | $1,303 | $2,180 | $3,247 |
| 85008 | $526 | $801 | $1,211 | $1,735 | $2,561 |
| 85009 | $421 | $600 | $857 | $1,285 | $1,675 |
| 85012 | $649 | $1,121 | $3,260 | $5,510 | $7,769 |
| 85013 | $708 | $1,204 | $1,921 | $2,759 | $4,653 |
| 85014 | $599 | $944 | $1,726 | $2,820 | $3,947 |
| 85015 | $378 | $598 | $1,122 | $1,540 | $1,998 |
| 85016 | $794 | $1,437 | $2,381 | $3,894 | $7,732 |
| 85017 | $445 | $575 | $798 | $1,200 | $1,398 |
| 85018 | $734 | $1,820 | $3,235 | $5,703 | $9,337 |
| 85019 | $585 | $737 | $962 | $1,189 | $1,645 |
| 85020 | $556 | $935 | $1,503 | $2,859 | $5,060 |
| 85021 | $533 | $850 | $1,836 | $3,639 | $5,670 |
| 85022 | $571 | $994 | $1,613 | $2,608 | $3,797 |
| 85023 | $811 | $1,144 | $1,717 | $2,520 | $3,695 |
| 85024 | $1,002 | $1,382 | $1,917 | $2,536 | $3,162 |
| 85027 | $559 | $884 | $1,184 | $1,453 | $1,831 |
| 85028 | $1,630 | $1,979 | $2,476 | $3,195 | $4,819 |
| 85029 | $621 | $891 | $1,151 | $1,485 | $1,864 |
| 85031 | $616 | $796 | $957 | $1,440 | $1,945 |
| 85032 | $706 | $1,077 | $1,459 | $2,138 | $2,938 |
| 85033 | $416 | $852 | $1,053 | $1,564 | $2,006 |
| 85034 | $381 | $557 | $949 | $1,484 | $1,916 |
| 85035 | $723 | $823 | $983 | $1,716 | $2,017 |
| 85037 | $775 | $981 | $1,267 | $1,679 | $2,206 |
| 85040 | $308 | $489 | $786 | $1,458 | $2,243 |
| 85041 | $528 | $837 | $1,625 | $2,247 | $2,919 |
| 85042 | $543 | $741 | $1,572 | $2,811 | $4,095 |
| 85043 | $808 | $1,075 | $1,340 | $1,772 | $2,136 |
| 85044 | $1,372 | $1,684 | $2,154 | $2,843 | $3,928 |
| 85045 | $2,137 | $2,620 | $3,324 | $4,405 | $5,222 |
| 85048 | $1,242 | $2,047 | $2,778 | $3,855 | $4,991 |
| 85050 | $1,565 | $2,036 | $2,631 | $3,767 | $5,384 |
| 85051 | $433 | $712 | $1,038 | $1,323 | $1,606 |
| 85053 | $702 | $1,009 | $1,342 | $1,747 | $2,227 |
| 85054 | $1,527 | $2,420 | $3,078 | $3,878 | $5,030 |
| 85083 | $1,811 | $2,245 | $2,827 | $3,688 | $4,625 |
| 85085 | $1,759 | $2,227 | $2,774 | $3,575 | $4,582 |
| 85086 | $1,866 | $2,430 | $3,272 | $4,381 | $5,591 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 21 |
Links | |
|---|---|
| Maricopa Tax Assessor | |
| Website | mcassessor.maricopa.gov |