Arizona buyer question
What does it cost to sell a house in Arizona?
The line items an Arizona seller usually sees, which ones state law sets, which ones are negotiated, and what a move-up buyer should plan for.
Two ways to start
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The short answer
Quick answer: Arizona has no state transfer tax on home sales, and the county's general recording fee is $30. Most selling costs are negotiated or home-specific: agent compensation, your share of escrow and title costs, seller credits, prorated property taxes, your loan payoff and, with an HOA, disclosure fees of up to $400. Escrow's estimate shows exact figures.
Source: Arizona Constitution art. 9 §24; A.R.S. §11-475 and §33-1806 (retrieved October 22, 2026). Last updated .
Costs Arizona law sets
- No real estate transfer tax. Arizona's Constitution bars any new tax or fee on the sale or transfer of real property, except those already in effect on December 31, 2007 (art. 9, §24).
- Recording fee. The county recorder's general fee is $30 per instrument recorded (A.R.S. §11-475). The deed must be recorded with an affidavit of property value signed by the buyer and seller or their agents, unless an exemption applies (A.R.S. §11-1133, §11-1134).
- HOA disclosure fees. In a planned community, the association can charge the selling owner no more than $400 in total for resale disclosure, lien estoppel and related transfer services, plus up to $100 for rush service within 72 hours and $50 for an update. These fees are collected at the close of escrow (A.R.S. §33-1806). A transfer fee authorized in the community documents must be listed in the disclosure. See HOA fees at closing.
Costs you negotiate
- Agent compensation. Arizona REALTORS® says there's no such thing as a standard commission. Compensation has always been negotiable and can be a percentage, a flat fee, an hourly rate or another agreed arrangement. Sellers can still offer compensation for the buyer's broker, just not through the MLS. Your listing agreement states what you agreed to.
- Escrow and title costs. Your purchase contract sets who pays the escrow fee and the owner's title insurance policy. Arizona's Department of Insurance notes that payment of title policy premiums can be a negotiating point. See owner's title insurance.
- Seller credits and repairs. Credits toward the buyer's closing costs and repairs after the inspection are negotiated in the contract and its addenda.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Costs that depend on your home and loan
- Loan payoff. Your remaining mortgage balance, plus interest to the payoff date, comes out of your proceeds. So does any home equity line.
- Property tax proration. Arizona's tax lien covers the whole calendar year, but the bill is paid in two halves. Escrow usually splits the year's tax as of the closing date, so you may owe a credit for days you owned the home. See property tax due dates.
- HOA dues through closing and any unpaid assessments shown in the HOA's disclosure.
- Utilities, final water bill and any home warranty you offer the buyer.
Taxes to know about
- Capital gains exclusion. The IRS says you may exclude up to $250,000 of gain on the sale of your main home, or $500,000 if married filing jointly, if you meet both the ownership and use tests: at least 2 of the last 5 years. If you get a Form 1099-S, you must report the sale even when the gain is excludable (IRS Topic 701).
- Foreign sellers. When the seller is a foreign person, FIRPTA generally requires the buyer to withhold 15% of the amount realized, with some exceptions (IRS).
Ask a tax professional about your situation. This page isn't tax advice.
Selling to buy your next Arizona home?
Your sale proceeds and your next home's monthly payment are two separate questions. Once you have a net-proceeds estimate from escrow, you can see which homes fit the payment you want for your next move.
A free account shows every home for sale that fits the monthly payment you're comfortable with, each with its real property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own closing cost estimate and APR disclosure.
Searching is free, and we never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you, and only about your own search.
Related: buying before you move · HOA fees at closing · how long closing takes · what a buyer's agent does · more questions.
General information, not legal or tax advice. Your listing agreement, purchase contract and escrow officer's settlement statement control. Agent compensation is negotiable and isn't set by law.
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Ready to see what fits your monthly budget?
Search Arizona homes with each home's property taxes, HOA dues, and insurance built into the estimated payment. We never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Prefer to talk it through? Pam Messina, NMLS #245626
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Sources
- Arizona Constitution, Article 9, Section 24 (no new taxes or fees on the sale or transfer of real property) (retrieved October 22, 2026)
- Arizona Revised Statutes §11-475 (county recorder fees) (retrieved October 22, 2026)
- Arizona Revised Statutes §11-1133 (affidavit of legal value recorded with a deed) (retrieved October 22, 2026)
- Arizona Revised Statutes §11-1134 (affidavit and fee exemptions) (retrieved October 22, 2026)
- Arizona Revised Statutes §33-1806 (planned community resale disclosure fees) (retrieved October 22, 2026)
- Arizona REALTORS®, When Thinking About and Discussing NAR's Antitrust Lawsuit Settlement, Here are Some Key Points to Keep in Mind (March 25, 2024; retrieved October 22, 2026)
- Arizona Department of Insurance (now DIFI), Answers to Your Questions About Title Insurance (consumer brochure, PDF) (2006 edition still hosted by the agency; retrieved October 22, 2026)
- Internal Revenue Service, Topic no. 701, Sale of your home (retrieved October 22, 2026)
- Internal Revenue Service, FIRPTA withholding (retrieved October 22, 2026)
Frequently asked questions
What does it cost to sell a house in Arizona?
There's no state transfer tax, and the county charges $30 to record a deed. Most costs are negotiated or home-specific: agent compensation, escrow and title costs as the contract sets them, seller credits, prorated taxes, loan payoff and HOA disclosure fees of up to $400.
Does Arizona have a real estate transfer tax?
No. Arizona's Constitution (art. 9, §24) bars new taxes or fees on the sale or transfer of real property, except those in effect on December 31, 2007.
What is the standard real estate commission in Arizona?
There isn't one. Arizona REALTORS® says compensation is negotiable and can be a percentage, flat fee, hourly rate or another arrangement. Your listing agreement states what you agreed to.
How much can an Arizona HOA charge a seller at closing?
For a planned community, no more than $400 in total for resale disclosure, lien estoppel and related services, plus up to $100 for rush service and $50 for an update (A.R.S. §33-1806).
Do I pay capital gains tax when I sell my Arizona home?
You may exclude up to $250,000 of gain, or $500,000 if married filing jointly, if you owned and lived in the home at least 2 of the last 5 years (IRS Topic 701). Ask a tax professional.
Who pays for title insurance when selling in Arizona?
It's set by the purchase contract. Arizona's Department of Insurance notes that payment of title policy premiums can be negotiated.