Arizona seller net sheet calculator

Arizona has no value-based transfer tax, just a $2 fee filed with the deed. By custom the seller pays for the standard owner’s title policy, and escrow fees are commonly split.

Arizona’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Arizona: Affidavit fee: a flat $2, usually paid by the seller, though it varies. Owner’s title is usually paid by the seller.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $180,499

42%keeps

Sale price$425,000
Commissions−$23,375
- Listing agent commission (3%)est.−$12,750
- Buyer’s agent compensation (2.5%)est.−$10,625
Loans and liens−$215,000
- Mortgage payoff−$215,000
Title and closing−$2,188
- Owner’s title insuranceest.−$1,488
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$3,938
- Affidavit fee−$2
- Property taxes (prorated)est.−$3,936
Net to seller$180,499

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Arizona sale, worked out

The calculator opens on $425,000, about the median value of an owner-occupied home in Arizona ($426,000, 2024 Census estimate), with a $215,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $6,126, or 1.44% of the price, for a closing on December 5, 2026. Arizona has no transfer tax on the price, only a flat $2 fee.

Seller’s costs on $425,000, before commissions and the payoff
Owner’s title insuranceest.	−$1,488
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Affidavit fee	−$2
Property taxes (prorated)est.	−$3,936
Total	−$6,126

Estimates are tagged “est.”; the rest follow the state’s rules.

The affidavit fee and title at other prices

Affidavit fee is a flat $2, usually paid by whoever the contract says. The owner’s policy below is an estimate; your title company’s quote will differ. The seller usually pays for it.

Sale price	Whole affidavit fee	Seller usually pays	Owner’s title policy
$250,000	$2	$2	$875est.
$500,000	$2	$2	$1,750est.
$750,000	$2	$2	$2,625est.
$1,000,000	$2	$2	$3,500est.
$2,000,000	$2	$2	$7,000est.

Selling in Arizona: what to know

Affidavit fee

Arizona has no real estate transfer tax based on price. The county recorder collects a $2 fee with the Affidavit of Property Value that accompanies the deed, and it is usually just part of escrow charges. Since 2008 the Arizona Constitution has barred any new state or local tax on real property transfers.

Title insurance

By Arizona custom the seller pays for the standard owner’s policy, and the buyer pays for any upgrade to an extended or homeowner’s policy plus the lender’s policy. Escrow fees are commonly split. Confirm the split in your purchase contract.

Who runs the closing

Escrow companies close Arizona sales. An attorney isn’t required.

Property taxes

Arizona taxes are billed for the calendar year and paid in arrears in two halves: the first is due October 1 (delinquent after November 1) and the second March 1 of the next year (delinquent after May 1). At closing the seller usually credits the buyer for the unpaid part of the year.

Selling in Arizona: questions

Is there a transfer tax in Arizona?

No. Arizona charges only a $2 fee with the affidavit filed alongside the deed, and the state constitution bars any new state or local transfer tax.

Who pays for title insurance in Arizona?

By custom the seller pays for the standard owner’s policy, and the buyer pays for any extended-coverage upgrade and the lender’s policy. The purchase contract can change that.

When are property taxes due in Arizona?

Arizona bills the calendar year in arrears: the first half is due October 1 and the second half March 1 of the following year. Sellers usually credit buyers at closing for the months not yet paid.

How much are seller closing costs in Arizona?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Arizona seller’s costs on a $425,000 sale come to about $6,126 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,488, settlement or escrow fee $600, recording and release fees $100, affidavit fee $2, property taxes (prorated) $3,936. Put in your own numbers above for a closer figure.

Is anything I type saved?

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