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Updated 2025 Tax Year

Yuma County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5% to 1.2% of assessed value, varies by school district and special districts
1st Due
Oct 1
2nd Due
Mar 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Property taxes in Yuma County, Arizona serve as the primary funding source for essential local services including K-12 education, county operations, community college districts, fire protection, library services, and various special districts. The county operates under Arizona's property tax system where properties are assessed at their full cash value, with residential properties subject to a 10% assessment ratio for primary tax calculation purposes.

Yuma County property owners can expect effective tax rates that typically range from approximately 0.5% to 1.2% of assessed value, though actual rates vary significantly based on your specific location within the county. This variation occurs because property tax bills include levies from multiple overlapping jurisdictions such as school districts, fire districts, hospital districts, water districts, and other special taxing districts that serve different areas of the county. The City of Yuma has proposed a 2.98% increase for recent tax year calculations, reflecting ongoing adjustments to meet municipal service demands.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate RateDescription
County General Fund0.15% - 0.25%Basic county services, roads, public safety
School Districts0.25% - 0.45%K-12 education funding (varies by district)
Community College0.05% - 0.10%Arizona Western College district
Fire Districts0.08% - 0.15%Fire protection and emergency services
Library District0.02% - 0.05%Public library system operations
Flood Control0.01% - 0.03%Flood prevention and drainage projects
Special AssessmentsVariesBonds, improvement districts, hospital districts

Note: These rates apply to the assessed value (10% of full cash value for residential properties) and are estimates for planning purposes. Actual rates for FY 2025-2026 vary by specific location and the combination of special taxing districts serving your property. The final levy rates are set annually and can be found in official county tax rate tables published by the Yuma County Assessor's Office.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Yuma 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 Yuma County are additional property tax bills issued when significant changes occur to your property after the original Notice of Value has been mailed. The County Assessor is required by Arizona law to issue a "Supplemental Notice" when these triggering events happen, typically including new construction, major improvements, changes in property ownership, or corrections to property characteristics that affect valuation.

Supplemental taxes are calculated based on the difference between the old assessed value and the new assessed value, multiplied by the applicable tax rate for the remaining months in the current tax year. For example, if you complete a $100,000 home addition in March and your property's assessed value increases by $10,000 (10% assessment ratio), you would owe supplemental taxes on that $10,000 increase for the remaining months of the fiscal year at your area's combined tax rate. These supplemental bills are typically due within 30 days of issuance and are separate from your regular annual property tax payments.

Example Calculation

Example 1: $300,000 Home Value

  • Full Cash Value: $300,000
  • Assessed Value (10%): $30,000
  • Less: Homeowner's Tax Credit: -$600 (if applied for and approved)
  • Net Taxable Assessed Value: $29,400
  • Combined Tax Rate: 0.85%
  • Annual Tax: $250
  • Monthly Escrow: $21

Example 2: $600,000 Home Value

  • Full Cash Value: $600,000
  • Assessed Value (10%): $60,000
  • Less: Homeowner's Tax Credit: -$600 (if applied for and approved)
  • Net Taxable Assessed Value: $59,400
  • Combined Tax Rate: 0.90%
  • Annual Tax: $535
  • Monthly Escrow: $45

Example 3: $1,000,000 Home Value

  • Full Cash Value: $1,000,000
  • Assessed Value (10%): $100,000
  • Less: Homeowner's Tax Credit: -$600 (if applied for and approved)
  • Net Taxable Assessed Value: $99,400
  • Combined Tax Rate: 1.00%
  • Annual Tax: $994
  • Monthly Escrow: $83

Note: Tax credits shown require separate application and approval. Actual tax rates vary by location within Yuma County based on special district combinations.

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Section 5

Escrow & Property Taxes

Most Yuma County homeowners with mortgages have their property taxes collected monthly through escrow accounts managed by their mortgage servicer. Your lender estimates the annual tax amount, divides it by 12, and collects this amount along with your mortgage payment. The servicer maintains a cushion (typically 1-2 months of taxes) to ensure sufficient funds are available when tax payments are due.

Property taxes in Yuma County are due October 1st, with the option to pay in two installments - the first half due by November 1st and the second half due by May 1st of the following year. Your mortgage servicer will typically pay the full annual amount or make installment payments on your behalf by these deadlines. You should receive an annual escrow analysis from your lender showing the account activity, and any shortage or surplus will result in an adjustment to your monthly escrow payment for the coming year. It's important to verify that payments were made correctly by checking with the Yuma County Treasurer's Office online portal or by reviewing your tax bill statements.

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 Yuma County for the current fiscal year? A: Property taxes are due October 1st each year. You can pay the full amount by November 1st, or pay in two installments - first half by November 1st and second half by May 1st of the following year.

Q: What tax credits are available to homeowners and do I need to apply? A: Yes, most tax credits require separate application. Common credits include the Homeowner's Tax Credit (up to $600 annually), Senior Property Valuation Protection (limits assessment increases), Disabled Person's Credit, and Veterans' Exemptions. Applications must be filed with the County Assessor's Office and have specific eligibility requirements and deadlines.

Q: How does the Homestead/Homeowner's Credit work? A: Arizona's Homeowner's Tax Credit can reduce your property tax bill by up to $600 annually for owner-occupied residential properties. This is a tax credit that directly reduces your tax bill, not an exemption that reduces assessed value. You must apply for this credit - it is not automatic - and reapplication may be required periodically.

Q: When does the County Assessor value properties and how can I appeal? A: Properties are valued annually as of January 1st. You should receive a Notice of Value by March 1st. If you disagree with the valuation, appeals must be filed by December 15th with the County Board of Equalization. Appeal forms and procedures are available through the Yuma County Assessor's Office.

Q: What are the penalties for late property tax payments? A: Interest begins accruing on unpaid taxes at a rate of 1% per month (12% annually) starting the day after the due date. Additional penalties may apply for extended delinquency, and properties can eventually be subject to tax lien sales.

Q: Can I pay my property taxes online? A: Yes, Yuma County offers online payment options through the County Treasurer's website. You can pay by electronic check or credit card, though credit card payments typically incur processing fees.

Q: Why did my tax bill increase when property values in my area declined? A: Property tax bills can increase even when individual property values decline due to changes in tax rates set by various taxing jurisdictions, new voter-approved bonds or overrides, or the expiration of previous tax credits or exemptions that you may have been receiving.

Q: What are special district taxes and why do they vary by location? A: Special district taxes fund services like fire protection, libraries, hospitals, flood control, and lighting districts. These districts serve specific geographic areas within Yuma County, so your tax bill depends on which combination of districts serve your property location. This is why tax rates vary significantly between different areas of the county.

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