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Updated 2025 Tax Year

Coconino County
Property Tax Guide

Everything you need to know about property taxes in Coconino County, AZ. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5009% county base rate + special district taxes (varies by location within county)
1st Due
Oct 1
2nd Due
Mar 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Coconino County, Arizona operates under a property tax system that funds essential local services including schools, public safety, infrastructure, and county operations. Property taxes are calculated based on assessed value and applied tax rates, with the county's primary property tax rate set at 0.5009% for fiscal year 2025. However, your actual tax rate will vary significantly depending on your specific location within the county due to additional special taxing districts such as school districts, fire districts, library districts, and municipal improvement districts.

The county encompasses diverse communities from Flagstaff to Sedona, each served by different combinations of special taxing districts that can substantially impact your total property tax burden. While the base county rate provides a foundation, homeowners typically pay effective rates ranging from approximately 0.7% to 1.2% of assessed value when all applicable district taxes are included. Property assessments are based on market value, and Arizona law provides various tax credit programs that require application to reduce your final tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Primary Property Tax0.5009%Base Coconino County rate for FY 2025
Secondary Property TaxVariesAdditional districts (schools, fire, library, etc.)
School Districts0.15-0.4%Varies by district (Flagstaff USD, Sedona-Oak Creek, etc.)
Fire Districts0.05-0.15%Local fire protection services
Community College~0.08%Coconino Community College District
Special AssessmentsVariesImprovement districts, bonds, overrides

Note: These rates apply to levy year 2025 and vary significantly by location within Coconino County. Your specific tax rate depends on which special taxing districts serve your property. The secondary property tax component can add 0.2% to 0.7% to your total rate depending on your location's combination of special districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Coconino County, property taxes are due in two installments:

First Installment
Oct 1
Delinquent after Dec 10
Second Installment
Mar 1
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Coconino County are triggered when property undergoes significant changes that affect its assessed value during the tax year. The most common triggers include change of ownership (purchase/sale), new construction or major improvements, and corrections to previous assessments. When these events occur, the County Assessor recalculates the property's assessed value, and any increase results in a supplemental tax bill.

The supplemental tax is calculated as the difference between the new assessed value and the original assessed value, multiplied by the applicable tax rate, prorated for the remaining months in the fiscal year. For example, if you purchase a home in January that was previously under-assessed, and the new assessment increases the taxable value by $50,000, you would owe approximately $250-$600 in supplemental taxes (depending on your total tax rate) prorated for the remaining 11 months of the fiscal year. Supplemental tax bills are mailed separately from regular property tax bills and have their own due dates, typically 30 days from the bill date.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Applicable Tax Credits: $0 (assuming no credits applied)
  • Net Taxable Value: $300,000
  • Estimated Tax Rate: 0.85% (including special districts)
  • Annual Tax: $2,550
  • Monthly Escrow: $212.50

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Applicable Tax Credits: -$600 (Disabled Veteran Credit, if qualified)
  • Net Taxable Value: $599,400
  • Estimated Tax Rate: 0.92% (including special districts)
  • Annual Tax: $5,514
  • Monthly Escrow: $459.50

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Applicable Tax Credits: -$600 (Senior Property Valuation Protection, if qualified)
  • Net Taxable Value: $999,400
  • Estimated Tax Rate: 1.05% (including special districts)
  • Annual Tax: $10,494
  • Monthly Escrow: $874.50

Note: Tax credits require annual application and eligibility verification. Rates vary by specific location within Coconino County based on applicable special taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Coconino County require borrowers to establish an escrow account for property taxes, particularly when the loan-to-value ratio exceeds 80%. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to the county when due. The lender analyzes your escrow account annually and adjusts your monthly payment based on actual tax bills and projected changes.

Property taxes in Coconino County become due December 31st if paid in full, with first-half payments due by October 31st. Your lender typically pays the first-half by the October deadline and the second-half by the December deadline. You should receive escrow disclosure statements showing how your payments are calculated and applied. If you pay your own taxes (no escrow), you can verify payments and balances through the Coconino County Treasurer's office online portal or by contacting them directly. Always confirm with your lender whether taxes are escrowed, as missed payments result in 16% annual interest charges starting the day after the due date.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Coconino County? A: For fiscal year 2025, first-half taxes are due October 31, 2025, and become delinquent November 3, 2025. If paying in full, taxes are due December 31, 2025, and become delinquent January 1, 2026. Interest at 16% per year begins accruing immediately after delinquency dates.

Q: What tax credits are available and do they require application? A: Arizona offers several tax credit programs including the Disabled Veteran Tax Credit, Senior Property Valuation Protection, and Widow/Widower Tax Credit. All tax credits require annual application through the Coconino County Assessor's office and are not automatic. Applications typically must be filed by March 1st for the current tax year.

Q: How does the homestead/property valuation protection work? A: The Senior Property Valuation Protection credit limits assessment increases to help protect qualifying seniors from dramatic tax increases due to rising property values. This credit caps the annual assessment increase rather than reducing market value, and requires annual application and income verification through the County Assessor's office.

Q: How often are properties reassessed? A: Coconino County conducts annual assessments based on market value as of January 1st each year. Assessment notices are typically mailed in February, with appeal deadlines in March. Properties may also be reassessed when ownership changes or improvements are made.

Q: What are the penalties for late payment? A: Interest begins accruing at 16% per year starting the day after the due date. No grace period is provided. Properties with delinquent taxes for three consecutive years may be subject to tax lien sale.

Q: Can I pay property taxes online? A: Yes, Coconino County offers online payment options through their official website. You can pay by electronic check or credit card, though credit card payments typically include processing fees.

Q: Why do special district taxes vary so much across the county? A: Coconino County includes numerous special taxing districts for services like schools, fire protection, libraries, and infrastructure improvements. Your location determines which districts serve your property, causing significant variation in total tax rates between communities like Flagstaff, Sedona, and rural areas.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Coconino County Assessor's office by the deadline printed on your assessment notice, typically in March. You can appeal based on incorrect property information, unequal assessment compared to similar properties, or excessive valuation above market value.

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