HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Navajo County
Property Tax Guide

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

9 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
0.8% to 1.7% of assessed value, varies by special taxing districts and location within county
1st Due
Oct 1
2nd Due
Mar 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Navajo County, Arizona, are a critical source of funding for essential local services including public schools, county government operations, fire protection, libraries, and various special districts. The county's property tax system operates on Arizona's assessment and levy structure, where properties are assessed annually and taxes are calculated based on assessed values multiplied by the applicable tax rates.

Navajo County's effective property tax rates typically range from approximately 0.8% to 1.7% of assessed value, depending on your specific location within the county. The actual rate you pay varies significantly based on the special taxing districts where your property is located, such as school districts, fire districts, library districts, and other local improvement districts. Properties in areas with more special districts will have higher overall tax rates, while rural areas with fewer services may have lower rates.

The county follows Arizona's standard assessment practices, with residential properties assessed at 10% of their limited property value. Property owners may be eligible for various tax credits that can reduce their tax liability, though most require annual application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Primary Property Tax0.8114%Core county services, basic operations (FY 2025)
Secondary Property TaxVariableSchool bonds, special districts, voter-approved levies
Total County Rate1.6738%Combined rate for fiscal year 2025
School Districts0.3000-0.8000%Varies by district (maintenance & operations, bonds)
Fire Districts0.1000-0.3000%Fire protection and emergency services
Library Districts0.0500-0.1500%Public library operations
Special AssessmentsVariableCommunity facilities, improvement districts

Note: These rates apply to fiscal year 2025 and represent typical ranges. Your actual total tax rate depends on the specific combination of taxing districts serving your property location. The secondary tax rate varies significantly across different areas of Navajo County based on local voter-approved measures and special district participation.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Navajo 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 property taxes are additional tax bills issued when there are changes to your property's assessed value during the tax year. In Navajo County, supplemental taxes are most commonly triggered by change of ownership, completion of new construction, or significant improvements that increase the property's value after the annual assessment date (typically January 1st).

When a supplemental assessment occurs, the county calculates the difference between the old assessed value and the new assessed value, then applies the current tax rate to determine the additional tax owed. This supplemental tax covers the remaining months in the current fiscal year from the date the change occurred.

For example, if you purchase a home in Navajo County in December that was previously assessed at $200,000 but now has a market value of $350,000, you would receive a supplemental tax bill. The county would assess the property at its new limited property value (10% of $350,000 = $35,000), subtract the previous assessment ($20,000), and apply the applicable tax rate to the $15,000 difference for the remaining months of that fiscal year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (10%): $30,000
  • Less: Homestead Credit (if applied for): -$3,000
  • Net Taxable Value: $27,000
  • Tax Rate (example area): 1.2500%
  • Annual Tax: $337.50
  • Monthly (if escrowed): $28.13

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (10%): $60,000
  • Less: Homestead Credit (if applied for): -$3,000
  • Net Taxable Value: $57,000
  • Tax Rate (example area): 1.4200%
  • Annual Tax: $809.40
  • Monthly (if escrowed): $67.45

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (10%): $100,000
  • Less: Homestead Credit (if applied for): -$3,000
  • Net Taxable Value: $97,000
  • Tax Rate (example area): 1.6500%
  • Annual Tax: $1,600.50
  • Monthly (if escrowed): $133.38

Note: Tax credits shown require annual application and are not automatically applied. Actual tax rates vary by location within Navajo County based on special taxing districts.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Navajo County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly escrow payments along with your mortgage payment, typically 1/12th of your estimated annual property tax bill plus a small cushion amount allowed by federal law.

Navajo County property taxes are due in two installments: the first half is due October 1st (can be paid without penalty until November 1st) and the second half is due March 1st. Lenders typically pay each installment shortly before the penalty-free deadline. Your lender should provide you with copies of the tax payments and an annual escrow analysis showing how your escrow account is managed.

It's important to verify that your lender is paying your property taxes correctly and on time. You can check payment status through the Navajo County Treasurer's office online portal or by contacting their office directly. If you believe there are errors in your escrow calculations or if your lender fails to pay your taxes on time, contact your loan servicer immediately to resolve the issue and avoid potential penalties.

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 Navajo County for fiscal year 2025? A: Property taxes are due in two installments: first half due October 1st (payable without penalty until November 1st) and second half due March 1st.

Q: What tax credits are available and do I need to apply? A: Common credits include the Homestead Credit (for primary residences), Senior Property Valuation Protection, and Disabled Veteran exemptions. Most tax credits require annual application and are NOT automatically applied - you must file with the County Assessor's office.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your home's market value but rather limits annual assessment increases and may provide a small credit against your tax bill. You must apply annually with the County Assessor, and it only applies to your primary residence.

Q: When does the County Assessor update property values? A: Property assessments are updated annually with a valuation date of January 1st. Assessment notices are typically mailed in late spring, with appeal deadlines in summer.

Q: What are the penalties for late property tax payments? A: Late payments incur monthly penalties and interest. First half payments are penalized after November 1st, and second half payments after March 1st.

Q: Can I pay my property taxes online? A: Yes, Navajo County offers online payment options through their treasurer's website. You can pay by electronic check or credit card (processing fees may apply).

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary based on the specific special taxing districts serving your property, such as different school districts, fire districts, or community facilities districts.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the County Assessor's office by the deadline shown on your assessment notice, typically in July. You'll need evidence supporting your claim that the assessed value is incorrect.

Verified Sources

Backed by 9 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
exnavajocountyaz.gov
02
County
Navajo County Resolution for the adoption of the budget ...navajocountyaz.gov
03
Tax Doc
Adopted Property Tax and Levies 2025navajocountyaz.gov
04
County
Civil Service | Navajo County, AZnavajocountyaz.gov
05
County
Property Tax Calendar | Navajo County, AZnavajocountyaz.gov
06
Frequently Asked Questions - CivicPlus.CMS.FAQnavajocountyaz.gov
07
eo_az.csvirs.gov
08
County
Assessor | Navajo County, AZnavajocountyaz.gov
09
County
Frequently Asked Questions | Navajo County, AZnavajocountyaz.gov
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate