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Arizona closing cost & transfer tax calculator

Arizona has no state transfer tax, so your closing costs are mostly lender and title fees. Pre-filled at about the median home price ($425,000); change anything to match your purchase.

State
Home price
Down paymentsome states also tax the mortgage
%

Transfer & recording taxes in Arizona

$0

0% of the price · about $8,500 with other closing costs

  • Other closing costs (estimate)$8,500.00
Buyer's share of taxes
$0
Seller's share of taxes
$0
Other closing costs (estimate)
$8,500
Cash to close for the buyer (down payment + costs, if the buyer pays the 'either' taxes)
$51,000

Arizona has no state transfer tax. Check for city or county fees.

No transfer tax based on price; a small flat affidavit fee applies.

Transfer taxes$0

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Arizona transfer tax rules (2026)

No transfer tax based on price; a small flat affidavit fee applies.

Arizona vs other states

Arizona is one of 15 states with no state transfer tax. On a $400,000 home Delaware buyers and sellers pay $16,000 between them. States nearby in the ranking:

All states: real estate transfer tax by state. Monthly payment: Arizona mortgage calculator · how much house you can afford in Arizona.

Sources

Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.

Closing cost calculators for other states

Assumptions

  • Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
  • Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
  • Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
  • Arizona rules checked 2026-10-23: PropertyShark — real estate transfer taxes by state; LodeStar — which states quote transfer taxes.

Frequently asked questions

Does Arizona have a real estate transfer tax?+

No. Arizona has no state real estate transfer tax. No transfer tax based on price; a small flat affidavit fee applies.

What are closing costs in Arizona?+

Without a transfer tax, Arizona closing costs are mostly lender fees, title insurance, appraisal, recording fees and prepaid interest and escrow — typically about 2%–5% of the price nationally. On a $425,000 home, 2% is about $8,500. Your lender's Loan Estimate shows the real numbers.

Who pays closing costs in Arizona?+

The buyer pays most lender and loan costs; the seller usually pays the real estate commission and often the owner's title policy, depending on local custom. Sellers can also agree to pay part of the buyer's costs as a concession.

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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.