Maricopa County closing costs
The county-specific transfer tax and deed recording fees for Maricopa County, Arizona - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0%
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $8,691
- median of 48,354 purchase loans · HMDA 2023
Maricopa County compared with Arizona counties
In the verified Arizona county records we have, Maricopa County's effective transfer-tax rate ranks #1 of 3 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 3
- within verified Arizona county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 48,354
- purchase loans in 2023
Maricopa County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Maricopa County
Arizona has NO real estate transfer/excise/documentary tax at any level — the state Constitution (Prop 100, "Protect Our Homes Act," approved 2008) explicitly bars the state and "any county, city, town or other political subdivision" from imposing any tax or fee on the sale or transfer of real property after Dec 31, 2007, so neither Maricopa County nor Phoenix levies one. The only recording-related charges are the flat $30 document fee plus the $2 Affidavit of Property Value fee. The seller customarily pays for the deed preparation and the owner's title policy; recording fees are typically split per contract, with escrow handled by the title company.
Recording fees in Maricopa County
Flat $30.00 per document to record a deed (no per-page fees), set statewide by A.R.S. 11-475 effective July 1, 2018 — the flat fee replaced the old per-page/indexing structure. A separate $2.00 Affidavit of Property Value filing fee applies when recording a deed that transfers real property, unless the transfer is exempt under A.R.S. 11-1134 (in which case an exemption code is noted on the deed instead). Military discharge (DD-214) and certain child-support documents are recorded at no charge. Government agencies have a separate reduced fee schedule.
Official recorder: Maricopa County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Maricopa County
Across 48,354 home-purchase mortgages originated in Maricopa County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,691, of which about $4,095 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 04013, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Maricopa County closing costs
Pre-set to Arizona. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Maricopa County?
Maricopa County (Arizona): the applicable real-estate transfer tax works out to about 0%. Arizona has NO real estate transfer/excise/documentary tax at any level — the state Constitution (Prop 100, "Protect Our Homes Act," approved 2008) explicitly bars the state and "any county, city, town or other political subdivision" from imposing any tax or fee on the sale or transfer of real property after Dec 31, 2007, so neither Maricopa County nor Phoenix levies one. The only recording-related charges are the flat $30 document fee plus the $2 Affidavit of Property Value fee. The seller customarily pays for the deed preparation and the owner's title policy; recording fees are typically split per contract, with escrow handled by the title company.
What are recording fees in Maricopa County?
Flat $30.00 per document to record a deed (no per-page fees), set statewide by A.R.S. 11-475 effective July 1, 2018 — the flat fee replaced the old per-page/indexing structure. A separate $2.00 Affidavit of Property Value filing fee applies when recording a deed that transfers real property, unless the transfer is exempt under A.R.S. 11-1134 (in which case an exemption code is noted on the deed instead). Military discharge (DD-214) and certain child-support documents are recorded at no charge. Government agencies have a separate reduced fee schedule.
How much are closing costs in Maricopa County?
Closing costs in Maricopa County follow Arizona's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Maricopa County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 48,354 home-purchase mortgages in Maricopa County were about $8,691, of which roughly $4,095 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Arizona county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.