Property tax in Navajo County, Arizona
In Navajo County, the property tax bill comes from the Navajo County Treasurer's Office. The 2026 bill is paid in 2 installments, and the next one is due November 2, 2026. You can look up and pay the bill on the county's own payment page. Taken from Navajo County's own pages, checked September 23, 2026.
The median property tax bill in Navajo County, Arizona is $1,195 a year, which is about 0.59% of the county's median home value of $201,500. That effective rate is higher than the typical Arizona county (0.51%) and lower than the national median (0.81%). These are American Community Survey 5-year estimates (2024); your own bill depends on your home's assessed value and any exemptions.
Who sends the property tax bill in Navajo County, and how do you pay it?
The bill comes from the Navajo County Treasurer's Office. The value it is based on is set by a separate office, the Navajo County Assessor, which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.
The Treasurer sends the bill and takes payment; the Assessor values the property. The Assessor's Notice of Valuation sets the value for a later tax year, not the bill you are paying now. The county's online payment page takes current-year taxes only, through its payment processor, Point and Pay, which adds a fee: 2.5% for credit cards with a $2.00 minimum, $3.95 for debit cards, and $1.00 for an electronic check. To pay delinquent taxes from earlier years, call the Treasurer's office.
When are property taxes due in Navajo County?
For the 2026 bill, Navajo County splits the bill into 2 payments, the first due November 2, 2026 and the last May 3, 2027. Late taxes are charged simple interest of 16% a year, prorated monthly from the first day of each month, and part of a month counts as a whole month.
| Payment | Due | Note |
|---|---|---|
| First half (last day to pay without interest) | November 2, 2026 | Under state law the first half is due October 1, 2026, but no interest is charged until it becomes delinquent after 5 p.m. on November 1. November 1, 2026 is a Sunday, and state law moves a delinquency date that falls on a weekend or legal holiday to 5 p.m. the next business day, which is Monday, November 2, 2026. If the whole year's tax is $100 or less, it is all due October 1 and does not become delinquent until after 5 p.m. on December 31, 2026. |
| Second half (last day to pay without interest) | May 3, 2027 | Under state law the second half is due March 1, 2027, but no interest is charged until it becomes delinquent after 5 p.m. on May 1. May 1, 2027 is a Saturday, so the deadline moves to 5 p.m. on Monday, May 3, 2027. |
From Navajo County's published schedule, checked September 23, 2026. The county had not posted a calendar labeled for this cycle when we checked, so these dates come from state law and the county's standing schedule; the date on your bill is the one that binds you.
Estimate the property tax on a home in Navajo County
Enter a home's market value for a ballpark at Navajo County's average effective rate of 0.59% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.
Estimated property tax: $1,189 / year
Property tax in Navajo County at a glance
| Measure | Value |
|---|---|
| Median annual property tax | $1,195 |
| Median home value | $201,500 |
| Effective tax rate | 0.59% |
| Typical Arizona county rate | 0.51% |
| National median county rate | 0.81% |
Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.
How does Navajo County compare in Arizona?
Among Arizona's 15 counties, Navajo County has the 7th highest effective property-tax rate: 6 rank higher and 8 rank lower. That is near the middle for Arizona. Nationally, it ranks 2291st of 3135 US counties by effective rate. See every Arizona county ranked.
How much do homeowners in Navajo County actually pay?
The median is only the middle bill. Across Navajo County's 29,321 owner-occupied homes, 7.3% pay $3,000 or more a year in property tax, 15.9% pay at least $2,000, and 22% pay under $800. Another 35.1% report paying no property tax at all, which usually means an exemption covers the whole bill.
| Annual bill | Homes | Share |
|---|---|---|
| Under $800 | 6,465 | 22% |
| $800 to $1,499 | 5,359 | 18.3% |
| $1,500 to $1,999 | 2,549 | 8.7% |
| $2,000 to $2,999 | 2,515 | 8.6% |
| $3,000 or more | 2,131 | 7.3% |
| No property tax paid | 10,302 | 35.1% |
Owners with a mortgage pay a median of $1,305 and owners without one pay $1,088. Owners who have paid off a home have usually held it longer, and in states that cap how fast an existing owner's assessment can rise, long-held homes carry lower assessed values. Census table B25103.
How does the Navajo County property tax bill compare with local incomes?
The median property tax bill of $1,195 is about 2% of the median income of Navajo County homeowner households, $58,695 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 73.2% of Navajo County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.
Have property taxes gone up in Navajo County?
Yes. The median bill went from $917 in 2015-2019 to $1,195 in 2020-2024, a 30.3% rise. Over the same span the median home value moved 59.8%, from $126,100 to $201,500. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.
Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.
Property tax in counties next to Navajo County
Navajo County borders 5 counties, 1 of them across the state line.
| County | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Apache County, AZ | 0.9% | $572 | $63,700 |
| San Juan County, UT | 0.8% | $1,788 | $224,200 |
| Navajo County, AZ (this county) | 0.59% | $1,195 | $201,500 |
| Gila County, AZ | 0.51% | $1,386 | $269,400 |
| Graham County, AZ | 0.48% | $1,013 | $212,000 |
| Coconino County, AZ | 0.46% | $2,051 | $448,000 |
How is a home assessed in Navajo County?
Arizona assesses homes at 10% of market value in every county, Navajo County included. How Arizona assesses and reappraises homes.
Is there a homestead exemption in Navajo County?
No. Arizona has no general homestead property-tax exemption; the individual exemptions are for widows and widowers, people with a total and permanent disability, and disabled veterans. That is the Arizona rule, and it applies in Navajo County. Arizona's exemptions and relief programs in full.
How to appeal your Navajo County property assessment
In Navajo County you appeal to the Navajo County Assessor's Office (Petition for Review of Valuation), then the Navajo County Board of Equalization. The deadline: File a Petition for Review of Valuation with the Assessor within 60 days after the Assessor mailed your Notice of Valuation; the notice prints the deadline. If the Assessor denies it in whole or in part, you can appeal to the county Board of Equalization, or to superior court, within 25 days after the Assessor's decision is mailed. You may also skip the administrative steps and file in Arizona Tax Court on or before December 15 of the valuation year, or go to court within 60 days after the most recent administrative decision is mailed. How to file. Checked September 23, 2026 against state law, because Navajo County does not restate them on its own pages.
How Arizona's appeal process works, including the next level if the first one turns you down.
Arizona rules from primary state sources, reviewed September 7, 2026; sources on the Arizona page.
Work out your own numbers
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How much house can I afford?
Your income, debts and down payment against the 28/36 rule lenders actually use, with Navajo County's tax rate to hand.
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Mortgage calculator
Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.
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Arizona income tax
Brackets, standard deduction and what Arizona actually taxes.
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Sales tax in Navajo County
The other local tax: combined state and local rate for this county.
Sources
- Median real estate taxes paid and median home value for Navajo County, Arizona: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103, B25077, B25102, B25119 and B25003; the five-year comparison uses the 2015-2019 estimates. Neighboring counties: Census county adjacency file.