Arizona Closing Costs for Buyers: How Much You'll Pay

Transfer tax in Arizona: none

Arizona does not charge a tax on the transfer of real estate, which is the main reason its closing costs sit below the national picture. No ad valorem or percentage-based real estate transfer tax. Arizona voters banned new real estate transfer taxes via Proposition 100 in 2008. The only charge tied to recording a deed is a flat $2.00 real estate transfer fee collected by the county recorder under A.R.S. Section 11-1132, which funds county records functions rather than acting as a sales-price-based tax. Source

You still pay recording fees: $30 to record the deed and $30 for the mortgage at the Maricopa County Recorder (Arizona's largest county); flat per-document fee under the statewide recording-fee schedule (A.R.S. Title 11). Fee schedule

How much is title insurance in Arizona?

On a $452,300 home in Arizona, an owner's title policy costs about $1,855 and the lender's policy about $1,113 when both are issued together (the simultaneous-issue discount). The seller customarily pays for the owner's policy; the buyer pays the lender's policy. Arizona is a filed-competitive state: each title insurer files its own rates, so premiums differ by company and it pays to get two quotes. Premiums computed from WFG National Title Insurance Company, Arizona Rate and Rules Manual, effective March 1, 2023 (filed under A.R.S. 20-376).

Arizona underwriters each file their own rate manual (filed-competitive), so premiums vary by company; this is WFG's filed table. Standard owner's policy for $452,300 of liability falls in the $450,001-$460,000 tier = $1,855.00 flat (not a per-$1,000 rate above the basic table;

Arizona-specific buyer costs on a $452,300 home

These are the line items set by Arizona law or filed rates. Lender fees, appraisal, escrow and prepaid taxes and insurance come on top and depend on your loan.

Do you need a closing attorney in Arizona?

Not required. Arizona is a title-company/escrow closing state. Licensed title/escrow companies conduct residential closings without an attorney; there is no statute requiring attorney supervision of a standard residential purchase closing. Source

Other Arizona specifics

• Affidavit of Property Value (transfer-tax substitute). Arizona requires an Affidavit of Property Value to be filed with most deeds for statistical/appraisal purposes, but it carries no fee based on price and is not a transfer tax. Source

How much are closing costs in Arizona?

For a buyer, closing costs usually run 2% to 5% of the purchase price. On Arizona's median-priced home (about $452,300), that is roughly $9,046 to $22,615, and it is separate from your down payment. The exact figure depends on your lender, your loan, and local taxes.

What closing costs include

Closing costs are a bundle of one-time fees due at settlement: lender or origination fees, an appraisal, title insurance, escrow and settlement fees, recording fees and any Arizona transfer tax, plus prepaid property taxes and homeowners insurance.

Why Arizona closing costs vary

The single biggest reason closing costs differ from state to state is transfer taxes, which states and sometimes counties and cities charge on the sale. Title insurance customs and whether an attorney is required at settlement also matter.

How a rebate offsets Arizona closing costs

Buyer commission rebates are legal in Arizona. Because a rebate can be paid as a credit at closing, it can erase a meaningful share of these costs. On a $452,300 home, a 2% rebate is about $9,046, often enough to cover much of the closing bill.

See Arizona buyer rebates and how to get one →

Sources

• Arizona transfer tax statute
• Who pays the transfer tax
• WFG National Title Insurance Company, Arizona Rate and Rules Manual, effective March 1, 2023 (filed under A.R.S. 20-376)
• Who pays the owner's title policy
• Arizona closing attorney rule
• Maricopa County Recorder (Arizona's largest county); flat per-document fee under the statewide recording-fee schedule (A.R.S. Title 11) recording fees
• Consumer Financial Protection Bureau: buyer closing costs are typically 2% to 5% of the purchase price

Arizona figures last verified against official sources on September 11, 2026.