dett.io

All states

State Guide

Closing Costs in Arizona (2026)

Buyers in Arizona typically pay $9,404 to $23,510 in closing costs (2–5%) on a median-priced home of $470,200. Our itemized estimate: about $14,732 (3.1% of the price), plus a $94,040 down payment at 20% down.

Arizona at a Glance

Median home price

$470,200

Estimated closing costs

$14,732

3.1% of price

Property tax rate

0.67%

≈ $3,150/year

2026 conforming loan limit

$832,750

2026 one-unit conforming limit

Cash to close

$108,772

20% down + closing costs

Monthly payment

$3,006

30-yr at 6.75%

What Makes Arizona Different

Arizona abolished its real estate transfer tax, and closings run through title companies rather than attorneys. Combined with a below-average effective tax rate, buyer-side government fees stay near the bottom of the national range.

Arizona charges only a flat $2 recording transfer fee.

Local cost factors

Buyer-paid transfer tax

None typical

Seller-paid or no state transfer tax

Closing custom

Title / escrow

Closings usually run through a title or escrow company

Homeowners insurance

$3,650/yr

Typical premium scaled to the median-priced example

Example loan vs. limit

Conforming

$376,160 loan at 20% down

Itemized Closing Cost Estimate

Assumes a $470,200 purchase with 20% down ($376,160 loan) at 6.75% for 30 years, a 0.67% property tax rate, and $3,650/year insurance. Transfer tax includes only the share buyers in Arizona customarily pay.

Line ItemCategoryEstimate
Loan Origination Fee (1% assumed)Lender fees$3,762
Credit ReportLender fees$50
Flood CertificationLender fees$20
Underwriting FeeLender fees$750
Processing FeeLender fees$500
AppraisalThird-party fees$550
Title InsuranceThird-party fees$1,881
Title SearchThird-party fees$300
Survey (if required)Third-party fees$400
Recording FeeGovernment fees$125
Prepaid Interest (15 days)Prepaids & escrow$1,043
Prepaid Homeowners Insurance (1 year)Prepaids & escrow$3,650
Escrow Prefund — Property Taxes (3 months)Prepaids & escrow$789
Escrow Prefund — Insurance (3 months)Prepaids & escrow$912
Total estimated closing costs$14,732

What You'd Pay Each Month

On a median-priced Arizona home with 20% down, the full monthly payment is about $3,006: $2,440 in principal and interest, $263 in property taxes, and $304 in homeowners insurance. Taxes and insurance here add 23% on top of the loan payment itself.

Run Your Own Numbers

Closing Cost EstimatorHow Much House Can I Afford?True Monthly Mortgage CostDown Payment Strategy

Frequently Asked Questions

Buyers in Arizona typically pay 2% to 5% of the purchase price in closing costs — roughly $9,404 to $23,510 on a median-priced home around $470,200. Our itemized estimate, including lender fees, title work, government fees, and prepaid taxes and insurance, comes to about $14,732 (3.1% of the price) with 20% down at 6.75%.

The effective property tax rate in Arizona is approximately 0.67% of home value per year. On a median-priced home of $470,200, that works out to about $3,150 per year, or $263 per month. Several months of taxes are usually collected up front at closing to fund your escrow account.

No statewide real estate transfer tax. Arizona charges only a flat $2 recording transfer fee.

The 2026 conforming loan limit in Arizona is $832,750 for a one-unit home — the national baseline. No counties in this state are designated high-cost for 2026. On a median-priced $470,200 home with 20% down, the loan is $376,160, so a typical purchase stays conforming. FHA limits also vary by county (2026 floor about $541,288).

With 20% down on a $470,200 home, plan for about $108,772 in total: $94,040 for the down payment plus roughly $14,732 in closing costs and prepaid items. A smaller down payment reduces the cash needed but adds PMI to your monthly payment.

On a median-priced $470,200 home with 20% down and a 30-year loan at 6.75%, the total monthly payment is about $3,006 — $2,440 in principal and interest, $263 in property taxes, and $304 in homeowners insurance.

Nearby states

AlaskaCaliforniaColoradoHawaiiIdahoMontanaNevadaNew MexicoOregonUtahWashingtonWyoming
Figures on this page are educational estimates, last reviewed October 18, 2026. Median prices (Redfin via Bankrate), effective property tax rates (Tax Foundation), insurance (Bankrate 2026 averages scaled to the median home), and 2026 conforming loan limits (FHFA) are approximations that vary by county, property, lender, and transaction. They are not a Loan Estimate and not financial advice — your lender's official Loan Estimate is the authoritative document for your closing costs. See our methodology.