HonestCasa logoHonestCasa
Updated 2025 Tax Year

Pinal County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$3.3630-$3.4500 per $100 assessed value (4th highest in AZ, varies by taxing districts)
1st Due
Oct 1
2nd Due
Mar 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Pinal County operates under Arizona's property tax system, where property taxes fund essential local services including schools, county operations, municipal services, and special districts. Property taxes are calculated based on assessed value multiplied by the applicable tax rate, which varies significantly by location within the county due to multiple overlapping taxing districts.

Pinal County has the 4th highest primary property tax rate among Arizona counties at $3.3630 per $100 of assessed valuation, with combined rates reaching $3.4500 per $100 when including all taxing districts. Your actual tax rate depends on your specific location within the county, as different areas are served by different school districts, fire districts, library districts, and other special taxing entities. Effective tax rates typically range from 1.0% to 1.5% of market value, though this can vary based on property type and applicable tax credits.

Section 2

What Makes Up Your Tax Bill

The following rates apply to FY 2025-2026 levy year:

ComponentRate per $100Description
County Primary$3.3630Basic county services, roads, public safety
School DistrictsVariesK-12 education (varies by district boundary)
Community CollegeVariesCentral Arizona College assessment
MunicipalVariesCity/town services (incorporated areas only)
Fire DistrictsVariesFire protection and emergency services
Library DistrictsVariesPublic library services
Other Special DistrictsVariesFlood control, sanitation, lighting, etc.
Combined Rate$3.4500+Total rate varies significantly by location

Note: Your actual tax rate depends entirely on which taxing districts serve your property location. Contact the Pinal County Assessor's Office to determine your specific combined rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Pinal 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 are additional property tax bills issued when there's a change in ownership or new construction that increases a property's assessed value during the tax year. In Pinal County, supplemental taxes are calculated on the difference between the old and new assessed values, prorated for the remaining months in the fiscal year.

Common triggers include property sales, completion of new construction, additions or major improvements, and certain ownership transfers. For example, if you purchase a home in January that was previously assessed at $200,000 but now has a market value requiring assessment at $300,000, you would receive a supplemental tax bill for the $100,000 increase in assessed value, prorated for the remaining months of the fiscal year. The supplemental bill would be calculated as: ($100,000 ÷ 100) × applicable tax rate × (months remaining ÷ 12).

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (10%): $30,000
  • Less: Homestead Credit (if qualified): -$2,000
  • Net Taxable Value: $28,000
  • Annual Tax ($28,000 × 3.45%): $966
  • Monthly (with escrow): $80.50

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (10%): $60,000
  • Less: Homestead Credit (if qualified): -$2,000
  • Net Taxable Value: $58,000
  • Annual Tax ($58,000 × 3.45%): $2,001
  • Monthly (with escrow): $166.75

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (10%): $100,000
  • Less: Homestead Credit (if qualified): -$2,000
  • Net Taxable Value: $98,000
  • Annual Tax ($98,000 × 3.45%): $3,381
  • Monthly (with escrow): $281.75

Note: Tax credits require application and approval. Actual rates vary by specific location within the county.

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 Pinal County require property tax escrow accounts, where monthly mortgage payments include 1/12 of the estimated annual property tax bill. Lenders collect these funds monthly and pay property taxes directly to the county on your behalf. Your lender will conduct an annual escrow analysis to ensure adequate funds are collected, which may result in payment adjustments.

Property tax bills are mailed to your lender when you have an escrow account. You should still review these bills for accuracy and monitor your escrow account statements. If your property taxes increase due to reassessment or rate changes, your monthly mortgage payment may increase to maintain adequate escrow reserves. Lenders typically maintain a cushion of 2-3 months of tax payments in the escrow account as required by federal regulations.

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 Pinal County for FY 2025-2026? A: First half taxes are due November 1st, second half taxes are due May 1st of the following year. You can also pay the full year amount by December 31st. Late payments incur penalties and interest.

Q: What tax credits are available and do I need to apply? A: The primary residential tax credit is the Homestead Exemption, which requires annual application. You must be an Arizona permanent resident with total assessed value under $36,454 and meet income requirements. Most tax credits require application - they are NOT automatic.

Q: How does the Homestead credit work? A: The Homestead credit limits annual assessment increases to 10% for qualifying owner-occupied homes, helping control tax growth. This caps assessment growth rather than reducing market value. You must file an application with the County Assessor by March 1st.

Q: When does the county reassess property values? A: Arizona law requires annual assessments based on market conditions. The assessment date is January 1st each year, with notices typically mailed in February. You have until March 1st to file assessment appeals.

Q: What are the penalties for late payment? A: Late payments incur a penalty of 16% annually (about 1.33% monthly) plus interest. Properties can eventually go to tax lien sale if taxes remain unpaid for three years.

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

Q: Why do special district taxes vary so much within the county? A: Pinal County includes numerous cities, school districts, fire districts, and other special taxing entities with different boundaries and rates. Your location determines which districts serve your property and their individual tax rates.

Q: How do I appeal my property assessment? A: File a petition with the Pinal County Board of Equalization by March 1st following the assessment notice. You'll need comparable sales data or evidence that the assessed value exceeds market value.

Q: Are there property tax credits for seniors or disabled persons? A: Arizona offers additional property tax credits for qualifying seniors, disabled persons, and veterans. These require separate applications with specific deadlines and eligibility requirements. Contact the Pinal County Assessor's Office for current programs and application procedures.

Q: What happens if I disagree with supplemental tax bills? A: You can appeal supplemental assessments using the same process as regular assessments. File your appeal within 60 days of receiving the supplemental tax notice, providing evidence that the new assessed value is incorrect.

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

Free • No credit check • 2-minute estimate