85928 Property Tax Rate

Property owners in ZIP code 85928 (Heber, Arizona) pay a median of $1,850/year in property taxes on homes valued at $384,000. This translates to an effective tax rate of 0.48%, which is 11% below the Arizona state average of 0.54%.

The monthly property tax burden for a median-valued home in 85928 is approximately $154, which factors into escrow payments on mortgages. This ZIP code is located within Navajo County.

Compared to similar ZIP codes in Arizona, 85928 has lower property taxes. ZIP codes with similar effective rates include 85226 (0.48%) and 86442 (0.48%).

In Heber, property taxes represent approximately 3.4% of the median household income of $54,545, providing context for the relative tax burden on homeowners in this area.

Arizona taxes owner-occupied primary residences at a 10% assessment ratio, significantly lower than the 18% rate applied to investment property, meaning your effective tax burden is substantially reduced compared to other states. Navajo County offers the Senior Valuation Protection program for owners 65 and older who have occupied their home for at least two years — contact the Navajo County Assessor's office to confirm eligibility and file before the assessment roll closes. After purchase, file your primary residence claim with the Navajo County Assessor immediately to lock in the lower assessment ratio and avoid paying the higher investment-property rate.