Illustrative scene: a Black woman in her seventies walking up the path to her 1970s tan stucco ranch house with a red tile roof, a carport and a gravel yard with a palo verde tree and prickly pear in Arizona

We Buy Houses in Arizona

No repairs, no showings, no agent. Describe the house by phone, and a licensed Arizona escrow company closes on the day you choose.

Prefer to talk it through? Call (984) 489-8269

Selling Your House for Cash in Arizona

Selling your Arizona house to us takes one phone call: describe its condition, and a written cash offer follows within 24 hours.

There are no repairs to make, no showings to host and no commissions to pay. Arizona has no percentage transfer tax; the only government charge on the transfer itself is a flat $2 fee, already inside the county's $30 charge to record the deed. A licensed escrow company closes on the date you choose, in as little as 14 days.

At a glance

No repairs
No commissions or showings
Close in as little as 14 days

We Buy Houses in These Arizona Cities

Tucson: Pima County
Mesa: Maricopa County
Yuma: Yuma County

Selling in Arizona

How an Arizona Cash Sale Works

Illustrative scene: a white couple in their late sixties at the kitchen table of their Arizona ranch house, he on the phone and she reading a one-page letter

1. Call and Describe the House
Walk us through your Arizona house as it stands today. You fix nothing, clean nothing and host no showings.
2. Your Written Offer, Within 24 Hours
The cash offer arrives in writing within 24 hours. No commission comes out of it.
3. Escrow Closes on Your Date
An Arizona escrow company handles the closing on the day you choose, in as little as 14 days.
Get My Cash Offer →
Takes about a minute.
or call (984) 489-8269

How Much Does Selling an Arizona House Cost?

Listing a $400,000 Arizona house costs roughly $40,000, about 10% of the price, before the mortgage is paid off: commission, repairs, your share of escrow and recording, and three months of carrying costs in the example below. Most Arizona sales close through an escrow company. Title companies can also act as escrow agents: they handle the closing and can hold the earnest money in a trust account until the sale is done ¹. Here is who pays each cost.

See every cost line

Item	Usually paid by	Typical
Owner's title policy	Whoever your contract names; see who pays title insurance below.	Not set by the state, so prices can differ between companies ². Ask for the figure in writing.
Escrow fee	Split as your contract says.	Set by the escrow company. Ask for its fee before you sign.
Recording the deed	Set out in the contract and the escrow instructions	$30 per document at the county recorder ³, which already includes the flat $2 real estate transfer fee ⁴. Buyer and seller also sign an affidavit of legal value that goes with the deed ⁵.
HOA resale and transfer fees	The selling owner. The law lets the association charge the seller ⁶.	Up to $400 per association for the disclosure packet, payoff statement and transfer services, collected no earlier than the close of escrow, plus up to $100 for a rush. Some declarations add their own transfer fee, so ask for the HOA's fee statement ⁶⁷
This year's property taxes	Split between you and the buyer as your contract says	Your county treasurer's figures. The settlement statement shows each side's share.
Mortgage payoff and any liens	Paid from your sale money at closing	What you still owe. Your lender must send a payoff statement within seven business days of a written request, or within a reasonable time if the loan is in foreclosure or bankruptcy or is a reverse mortgage ⁸.

Arizona transfer tax: none, only a flat fee

Arizona doesn't charge a percentage of the price when a house sells. Before recording a deed, the county recorder collects a flat $2 real estate transfer fee, and that $2 is counted inside the recorder's $30 charge per document ⁴³. The Arizona Constitution bars the state, counties, cities and districts from adding any new tax or fee on selling or transferring real property beyond those that existed on December 31, 2007 ⁹. So the example below has no transfer tax line.

Is There Capital Gains Tax on a Home Sale in Arizona?

Usually not on the home you live in: gain the federal exclusion covers is untaxed in Arizona too, and gain above it is taxed at a flat 2.5%. Arizona's individual income tax is a flat 2.5% ¹⁰, and its starting point is your federal adjusted gross income ¹¹. So gain the federal home-sale exclusion leaves out, up to $250,000 if you owned and lived in the house two of the five years before the sale, or $500,000 on a joint return if both of you lived there that long and neither used the exclusion in the past two years, is left out in Arizona too ¹².

For a gain that is taxed, Arizona lets you subtract 25% of a long-term capital gain on an asset bought after December 31, 2011. A house you inherited counts as acquired on the date the person who left it to you acquired it, so a parent's purchase in 1995 doesn't qualify ¹³. For the federal gain on an inherited house, the starting basis is generally its fair market value on the date of death ¹⁴.

A 2026 bill to exempt home-sale gains from Arizona income tax (SB 1633) was held in the House and did not become law ¹⁵. General information, not tax advice; ask your tax preparer.

What Is the HOA Transfer Fee When You Sell in Arizona?

The association's fee for resale paperwork is capped at $400 per association. That cap covers the association's resale disclosure, its statement of what you owe, and any other transfer services; it can add up to $100 for a rush job within 72 hours and $50 to update a report that's 30 days old. The fee is collected no earlier than the close of escrow and charged once ⁶. Condominium associations work under the same caps ⁷. Some community declarations add a separate transfer fee of their own, so ask for the fee statement early ⁶.

Who sends the buyer the HOA packet depends on size. In a community of 50 or more homes, the association sends its rules, budget, last three board minutes, reserve study, any unpaid assessments and any open violation within 10 days of your written notice of the sale. In a smaller community or condo, that job is yours: you deliver it within 10 days of accepting the offer ⁶⁷. Behind on dues or holding a violation letter? Tell us on the call.

Who Pays Title Insurance in Arizona?

No law decides it. The Department of Insurance says local practice, not the law, determines who pays the title premiums, buyer and seller can negotiate it, and your escrow officer can tell you what is usual in your area ¹. Your contract sets it in the end, so read that line before you sign.

The state doesn't set the price either. Each title insurer files its own rates and may charge only those ¹⁶¹⁷. The Department tells consumers that rates may vary between companies, that real estate professionals can't dictate which insurer you use, and that an owner's policy is paid once, at the close of escrow ².

Is an Arizona Cash Home Buyer Legit? Check the Escrow Company

Look the escrow company up and call it yourself. In Arizona, an escrow company must be licensed, and the license has to be posted in each office ¹⁸. Escrow agents are licensed and regulated by the Department of Insurance and Financial Institutions ¹⁹. A few checks before you sign:

Read the whole contract, including the price, closing date and escrow company. An Arizona attorney can review it.
Ask the escrow company whether it has opened escrow and received the earnest money. By law, a licensed escrow agent keeps escrow money in a separate escrow account, apart from its own ²⁰.
Pay nothing to get an offer. Be wary of any buyer who asks you for a fee up front.

Is Arizona a Disclosure State? What a Seller Must Tell the Buyer

Yes: you share what you know. Selling as-is changes the price, not that duty. The Arizona Department of Real Estate tells buyers that most sellers fill in a Seller's Property Disclosure Statement (SPDS), a list of questions about the house and its condition, and that a seller's duty to disclose stays in place even when buyer and seller agree to skip that form ²¹.

Two written disclosures come from statute or federal rule. If the house sits on land outside any city or town and isn't in a subdivision, the seller must give the buyer a sworn affidavit of disclosure at least seven days before the transfer, covering things like road access, flood zones, water source and septic. The buyer can cancel within five days of getting it, and the affidavit is recorded with the deed ²². If the house was built before 1978, before the buyer signs, the seller shares what they know about lead-based paint, with any reports, and gives the buyer a lead hazard pamphlet ²³.

Buyers in Arizona ask about expansive soil, earth fissures, past fire or flood damage, scorpions and termites ²¹. Tell us what you know on the call.

Curious what your Arizona house would bring in cash?

Enter your address to get started. One short call about your home’s condition, and your cash offer comes in writing.

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See what a cash buyer would pay for your house →

Foreclosure, an Inherited House or a Divorce: Arizona's Rules in Plain Words

A plain summary of what Arizona statutes say. It is background, not legal advice; ask an Arizona attorney about your own situation.

How Long Does Foreclosure Take in Arizona?

At least 91 days after the notice of trustee's sale is recorded, and since a servicer generally can't start until you're more than 120 days behind, about seven months from the first missed payment at the earliest ²⁴²⁵. When an Arizona home loan is a deed of trust, the trustee sells under its power of sale. The notice is recorded with the county, mailed to you within five business days, posted on the property at least 20 days before the sale, and published once a week for four weeks ²⁶²⁷. Until 5 p.m. on the last business day before the sale, you can stop it by paying what's past due plus costs and the trustee's fee; ask the trustee in writing for the exact amount ²⁸. Stay on after the sale, and the new owner can serve a written demand and then go to court ²⁹. The months before the sale notice are the time to talk with your servicer or sell on your terms; tell us what letters you've had.

Do You Need Probate to Sell an Inherited House in Arizona?

Not always. If no personal representative has been appointed and the Arizona real estate in the estate is worth no more than $300,000 after what's owed on it, the heirs, or the people a will names (with the original will attached), may be able to take the house with an affidavit of succession to real property, Arizona's small-estate affidavit, filed in court instead of a full probate. The limit was $100,000 until a 2025 law raised it ³⁰. They wait six months after the death, attach a certified death certificate, and swear that the funeral, last-illness and unsecured debts are paid and that no federal estate tax is due. Value is the assessor's full cash value for the year of death, and the court's certified copy is recorded with the county ³¹. Without a will, a surviving spouse inherits everything if there are no children or all of them are also the spouse's. If not, the spouse gets half of the owner's separate property and none of the owner's half of the community property, which goes to the children ³². A probate attorney can say who signs the deed.

Who Gets the House in an Arizona Divorce?

In Arizona, what either spouse acquires during the marriage is community property, except gifts and inheritances and what's acquired after a divorce petition is served, if the divorce goes through ³³. Both spouses have to join in selling community real estate ³⁴. In a divorce the court divides community property equitably, not necessarily in kind, and it can weigh the taxes a sale would bring. Property the decree doesn't mention is held afterward by the two of you as tenants in common, half each ³⁵. Check the decree with your attorney before anyone signs.

Can You Sell an Arizona Rental With Tenants in It?

Your tenants don't have to move out before we make an offer. An Arizona landlord who sells in good faith is released from the lease for events after the tenants get written notice of the sale, but stays liable for their deposits and prepaid rent ³⁶. Whoever owns the house when a tenancy ends must send the tenant an itemized list of deductions, with any refund, within 14 business days after the tenant moves out and asks for it, and a deposit, including prepaid rent, can't exceed one and a half months' rent ³⁷. Tell us the rent, lease end date and deposit.

Does Arizona's Senior Property Tax Freeze Move With You?

Not automatically. It freezes your home's value, not the tax bill. If you're 65 or older and the county assessor froze your home's value under the senior valuation protection option, the freeze ends when the house goes to a buyer who doesn't qualify, and the value goes back to its full cash value. Buy again in Arizona and you can apply on the new home after living there two years, by September 1, within the income limit, and reapply every three years ³⁸.

Cash Sale or Listing: Which Puts More in Your Pocket in Arizona?

Set the two side by side on the money you keep, not the headline price. A well-kept house with no deadline may sell for more through an agent. What comes off that price is the commission, the repairs a buyer's inspector asks for, and the months of payments, insurance, utilities and HOA dues while the house sits on the market. The example below adds it up for an Arizona house; compare what's left with our written offer. If listing clearly wins and you're in no hurry, list it.

On a $400,000 sale

Example, not a quote.

Listing with an agent

Sale price: $400,000
Agent commission (5.5% here; it varies): −$22,000
Repairs before listing (example): −$10,000
Your share of the escrow fee, recording and lien releases (example; escrow companies vary): −$1,000
Three months of carrying costs (example): −$7,200
You'd walk away with: $359,800

Comparing a cash offer

In this example, listing would leave you about $359,800 before your mortgage payoff. Compare that with your cash offer, less any closing costs you'd still pay.

Your figures depend on the house, what you owe, your HOA if you have one, and the escrow company. Want your real numbers? Enter your address above or call (984) 489-8269.

Arizona's Largest Housing Markets, September 2026

Figures are for the county each city sits in.
City (county figures)	Median asking price	Median days on market
Tucson	$372,500	58 days
Mesa	$499,000	61 days
Yuma	$352,450	62 days

Maricopa County, AZ

Maricopa County, AZ housing market, September 2026
Median asking price	$499,000down 5% from a year earlier
Median days on market	61 daysdown 5% from a year earlier
Homes for sale	15,780up 9% from a year earlier

Homes listed in Maricopa County, AZ sat a median 61 days on the market in September 2026, down from 65 a year earlier. The median asking price in Maricopa County, AZ was $499,000 in September 2026, down 5% from a year earlier.

Source: Realtor.com Economic Research, September 2026. Asking prices of homes listed for sale, not sale prices.

Arizona Cash Home Buyers: Common Questions

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Call (984) 489-8269

How long is escrow on an Arizona cash sale?

There's no set length: you pick the date once you've accepted our written offer. A few legal clocks set the pace. Your lender generally has to send a payoff statement within seven business days of a written request ⁸; HOA paperwork is due within 10 days ⁶; and rural land outside a subdivision needs its disclosure affidavit at least seven days before the transfer ²². An estate, a divorce or a tenant can add steps.

My mother left me her Arizona house with a beneficiary deed, the state's transfer-on-death deed. What happens before I can sell it?

A beneficiary deed that was recorded with the county before your mother died transfers the house to the beneficiary it names, effective on her death, and a will can't revoke it. The house comes with its mortgage and any liens ³⁹. Bring a copy of the recorded deed to the call.

I'm 70 and deferred my Arizona property taxes. Can I still sell?

Yes, once the deferred taxes, interest and costs are paid. Arizona's deferral is for owners 70 or older whose home has a full cash value of $150,000 or less and whose household had $10,000 or less of taxable income, among other conditions ⁴⁰. A sale, or a signed contract to sell, makes the whole deferred amount due, and the law says it must be paid in full at or before the signing of the sale contract; the house can't be transferred until it is ⁴¹. Ask the county treasurer for the payoff figure before you sign.

Do I have to tell a buyer someone died in my Arizona house?

You don't have to bring it up. Arizona law says a seller can't be sued, and the sale can't be undone, for not disclosing that the house was the site of a natural death, a suicide, a homicide or another felony, that someone there had HIV or AIDS, or that a sex offender lives nearby ⁴². That covers staying silent, not a false answer to a buyer's direct question. The house's condition is different: share what you know.

My Arizona house is on a septic system. Does that slow down a sale?

It adds one step. A home that isn't on a public sewer needs its septic or other on-site system inspected by a qualified inspector within six months before the transfer, and your county's environmental office or the Arizona Department of Environmental Quality has the current rules ²¹. Have any recent report handy.

Does Arizona's anti-deficiency law protect me after a trustee's sale?

Often not. If your lender sells the house at a trustee's sale, and it's a one- or two-family home on two and a half acres or less that you used as a home, that lender can't sue you for the difference ⁴³. This may not protect a second loan or home-equity line wiped out by the first lender's sale, or a foreclosure in court, so ask an Arizona attorney. Where that protection doesn't apply, the lender has 90 days after the sale to sue, and the court credits the house's fair market value if that's more than the sale price ⁴³.

Get a Cash Offer on Your Arizona House