86326 Property Tax Rate

Property owners in ZIP code 86326 (Cottonwood, Arizona) pay a median of $1,397/year in property taxes on homes valued at $312,400. This translates to an effective tax rate of 0.45%, which is 17% below the Arizona state average of 0.54%.

The monthly property tax burden for a median-valued home in 86326 is approximately $116, which factors into escrow payments on mortgages. This ZIP code is located within Yavapai County. This is $314 less than the Arizona average of $1,711/year.

Compared to similar ZIP codes in Arizona, 86326 has higher property taxes. ZIP codes with similar effective rates include 85173 (0.45%) and 85325 (0.45%).

In Cottonwood, property taxes represent approximately 2.4% of the median household income of $58,250, providing context for the relative tax burden on homeowners in this area.

Arizona taxes owner-occupied primary residences at a 10% assessment ratio (vs. 18% for other property types), and your property will be reassessed at purchase price when you buy; Limited Property Value thereafter caps annual increases. The Yavapai County Assessor administers the Senior Valuation Protection program (age 65+, 10+ years residence) and standard owner-occupancy claims — apply within 60 days of closing. File your owner-occupancy classification at the Yavapai County Assessor's office immediately upon closing to secure the 10% assessment rate.