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Arizona Home Seller Net Proceeds Calculator

Arizona has no state transfer tax. Get an instant estimate — no login or sign-up required.

Arizona has no state transfer tax — city selection is for context only.

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Brokerage Commissions

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Total Commissions$0.00

Estimated Net Proceeds

$0.00

Sale Price$0.00
Commissions- $0.00
Mortgage Payoff- $0.00
Owner's Title Insurance- $0.00
Escrow / Closing Fee- $0.00
Recording Fee- $0.00

Arizona has no state transfer tax on residential sales. Title insurance, escrow, recording, and HOA transfer fees vary by provider and community. Consult an escrow officer, settlement attorney, or tax professional for exact figures.

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Selling a Home in Arizona

Arizona has no state real estate transfer tax — one of the most seller-friendly states in the country. The biggest seller-side costs are agent commissions, owner's title insurance, escrow fees, and HOA transfer fees.

Arizona Title Insurance & Closing Costs

Arizona uses title companies for closing. The seller customarily pays the owner's title policy and splits escrow fees with the buyer.

How to Estimate Your Arizona Net Proceeds

  1. Sale Price: Start with the agreed-upon contract price.
  2. Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
  3. Closing Costs: Deduct commissions, owner's title insurance, escrow/settlement, recording, and HOA fees.
  4. No State Transfer Tax: Arizona sellers skip the state-level transfer/excise tax line entirely.

Arizona Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Closing Costs

Key Factors to Consider

  • No State Transfer Tax: Arizona sellers avoid the state-level transfer / excise tax that drives up closing costs in places like Washington or New York.
  • Title Insurance: The owner's title policy is typically the largest fixed line item on a Arizona net sheet and is customarily paid by the seller.
  • Escrow / Settlement: Closing fees are usually split with the buyer; the purchase contract controls the final allocation.
  • Recording Fees: County recording fees in Arizona are a small fixed cost at closing.
  • HOA Transfer Fees: If your property is in an HOA, expect a transfer fee and a resale certificate fee from the management company.

Why use this tool?

Most national net-sheet calculators assume a state transfer tax that doesn't apply in Arizona — they'll overstate your closing costs by thousands. This calculator applies the actual Arizona cost structure so you see what you'll actually walk away with at closing.

Need more accuracy?

This tool provides general estimates only. Confirm exact figures with your title or settlement company, and consult a qualified tax professional regarding federal capital gains or other obligations specific to your sale.

Arizona Seller FAQ