Closing costs in Arizona
What a buyer or seller pays at the closing table in Arizona — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Arizona's actual rates.
- Transfer tax
- 0%
- customarily none-paid
- Recording fee (deed)
- ~$30
- a flat fee per document
- Title insurance
- filed
- ~$4.50 / $1,000
- Attorney at closing
- Not required
Arizona in the national transfer-tax dataset
0%, #37 of 51 nationally; at $400,000, that is $640 below the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #37 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Arizona: $0
- County coverage
- 3
- 0 with a city-tax field
Arizona transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Arizona
The biggest closing-cost variable in Arizona is the real-estate transfer tax, which here is 0% and is customarily none-paid. Arizona levies NO state, county, or city real-estate transfer/conveyance tax. The Arizona Constitution (Art. IX, Sec. 24, added by voter-approved Prop 100 in 2008) prohibits any new tax, fee, or stamp requirement on selling, purchasing, or conveying real property. The only price-related recording charge is a flat $2.00 deed/affidavit-of-property-value filing fee under A.R.S. 11-1132/11-1133 (not a percentage of price), and certain transfers are exempt from the affidavit requirement under A.R.S. 11-1134.
On a $400,000 home, the state-level transfer tax works out to roughly $0 , before any county or city add-ons. County recording fees are a flat fee per document and run around $30 for the deed.
For title insurance, Arizona title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Arizona does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Ariz. Const. art. IX, § 24; A.R.S. § 11-1132 (deed/affidavit $2 fee); A.R.S. § 11-475 (recording fees). Official source ↗
Arizona closing cost calculator
Pre-set to Arizona. Adjust your price, down payment and loan type.
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Counties in Arizona
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Arizona?
In Arizona, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0%, customarily none-paid), county recording fees (a flat fee per document, around $30), and title insurance. Arizona does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Arizona?
Arizona's real-estate transfer tax is 0% and is customarily none-paid. Arizona levies NO state, county, or city real-estate transfer/conveyance tax. The Arizona Constitution (Art. IX, Sec. 24, added by voter-approved Prop 100 in 2008) prohibits any new tax, fee, or stamp requirement on selling, purchasing, or conveying real property. The only price-related recording charge is a flat $2.00 deed/affidavit-of-property-value filing fee under A.R.S. 11-1132/11-1133 (not a percentage of price), and certain transfers are exempt from the affidavit requirement under A.R.S. 11-1134.
Who pays closing costs in Arizona?
Both buyer and seller pay different items. The transfer tax in Arizona is customarily none-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Arizona?
No. Arizona does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
Know when closing-cost rates change
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