Phoenix, AZ · Updated Oct 2026

What a Phoenix house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Phoenix house

$7,023a year · $585 a month

Starts at $157,246 of value before exemptions. Typical use.

Property tax$1,732
1.101% of $157,246
Electricity and gas$3,038
1000 kWh a month $2,372 · 24 therms $586 · city utility tax $80
Water and sewer$728
9 units (CCF) a month on City of Phoenix Water Services: water $27, sewer $29, stormwater excise tax $1, state mandated jail costs (single-family) $1, city services tax (single-family water accounts) $2, city utility tax $2 a month
Trash$508
90-gallon (standard), $42 a month
Home insurance$1,018
Typical premium $1,018

A typical Phoenix house pays about $7,000 a year: $1,730 property tax and charges, $730 water and sewer, $510 trash, $3,040 electricity and gas, $1,020 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 20, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $201 a year:

Bring water use down to 6 units
$201 a year
Above 6 units a month, City of Phoenix Water Services charges $6.19 a unit instead of $0.62.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Switch to the 60-gallon cartUp to $60 a year
Your cart costs $42 a month; the smallest costs $37. Worth it if you rarely fill it.
How: Exchange the standard 90-gallon container for a 60-gallon one through the city's 'Sign up for a smaller container' request; the household must be enrolled in the City's recycling program, which costs nothing extra.
Keep January to March water use low, and ask for a sewer review after a leak
Phoenix sets your monthly sewer charge from your water use in the January, February and March billing cycles, so using less water then lowers your sewer bill for the year. If a leak raised your use in those months, the city can adjust the sewer fee.
How: Submit a Sewer Fee Review online or download the form from the city's water and sewer rates page.
Income at or below 200% of poverty: Project Assist
Project Assist helps people who are having trouble paying for City of Phoenix water, sewer or solid waste services. Customers must be at or below 200% of the federal poverty income level to apply.
How: Project Assist is administered by the City of Phoenix Human Services Department.
Income at or below 200% of poverty: APS Energy Support Program25% or 60% off the APS bill
APS takes 60% off the monthly bill (up to $165) for households from 0% through 75.99% of the federal poverty guidelines, and 25% (up to $95) from 76% through 200%.
How: Enroll with APS in the Energy Support Program (rate rider E-3).
Income up to 250% of poverty: Southwest Gas LIRA30% off the per-therm rate
Southwest Gas's Low Income Ratepayer Assistance gives a discounted monthly basic service charge and a 30% reduction on the per-therm rate year-round.
How: Apply for LIRA with Southwest Gas.
Widowed, totally disabled or disabled veterans: personal exemptionUp to $4,873 off assessed value
A tax exemption of up to $4,873 reduces the assessed Limited Property Value. Income limits for 2026 are $39,865, or $47,826 with children under 18 or disabled children at home, excluding Social Security, military pensions and veterans' disability payments; the total assessed LPV limit is $36,454 (it does not apply to veterans). Veterans with a 100% service-connected disability can have their primary residence fully exempted.
How: File the Personal Exemption application with the Maricopa County Assessor by February 28, or by September 1 with an Exemption Deadline Waiver.
Seniors 65+: Senior Valuation Protection (senior freeze)
Owners 65 or older who have lived in the home at least two years can freeze its Limited Property Value for three years if income from all owners does not exceed $47,712 for one owner or $59,640 for two or more. It freezes the value, not the tax.
How: Apply to the Maricopa County Assessor by September 1 (online, by email to PE.SVP@maricopa.gov, or by mail).

Money dates

Nov 2, 2026in 10 daysUnpaid first-half 2026 property taxes become delinquent after 5 pm, and interest of 16% a year applies from then.
Dec 31, 2026in 69 daysLast day to pay the full 2026 tax year without interest (for taxes over $100).
Feb 28Deadline for the Assessor's personal exemption application (widowed, totally disabled, disabled veterans); September 1 with an Exemption Deadline Waiver.
Mar 1, 2027The second half of 2026 property taxes is due.

Who serves this house

Water: City of Phoenix Water Services; City of Phoenix water rate schedule effective March 1, 2025, inside city: a monthly service charge that includes 5 units (October to May) or 8 units (June to September), seasonal charges per unit of 748 gallons above that, and an environmental charge on every unit
Property tax: 1.10% of value; 2026 tax year, Maricopa County (tax area 061300)
Garbage: City of Phoenix Public Works; Weekly garbage and recycling collection, billed on the monthly city services bill
Sewer: City of Phoenix Water Services; Monthly charge based on your January through March water use
Electricity: APS or SRP, depending on where you live; Phoenix is split between the two; figures use APS plan R-1, so check your bill
Gas: Southwest Gas; G-5 single-family residential service: $10.70 a month plus a charge per therm
Schools: Washington Elementary #6 and Glendale Union High #205 (one of many Phoenix school pairings); 2026 rates per $100 of assessed value: Washington 1.7642 primary and 2.3467 secondary; Glendale Union 1.5591 primary and 1.7897 secondary

Pay or manage your bills

Your water

Source: Mostly surface water from the Salt, Verde and Colorado rivers.
Standards: In 2025 Phoenix tap water met or surpassed all federal and state drinking water standards.
Hardness: Hard: 172 to 302 ppm (10 to 17.6 grains per gallon).
Lead: 90th-percentile lead was 3 ppb in 2024 tap sampling (action level 15 ppb); 2 of 56 taps were above the action level.

Other AZ cities

What a Flagstaff house pays What a Peoria house pays What a Sierra Vista house pays What a Lake Havasu City house pays What a Maricopa house pays What a Scottsdale house pays What a Bullhead City house pays

How these numbers are made

Property tax: Arizona taxes an owner-occupied home (Class 3) on an assessed value of 10% of its Limited Property Value (LPV), at rates per $100 of that assessed value, so each rate here is Maricopa County's 2026 rate divided by 1,000 and applied to LPV. We use tax area 061300 (Washington Elementary #6, Glendale Union High #205, City of Phoenix): 5.2996 primary, which is the county's approximate residential rate after the state homeowner rebate (the 6.8124 primary rate less 1.5128, taken off the school primary rate), plus 5.7130 secondary, or 11.0126 per $100 of assessed value (1.10126% of LPV).
The starting value is the Maricopa County Assessor's 2026 median LPV for Phoenix single-family homes and condos, $157,246 (their median full cash value is $343,700), which gives about $1,732 a year, roughly 0.5% of full cash value. Phoenix spans more than 20 school district pairings, so your rate depends on your tax area (2026 combined rates in Phoenix tax areas run from about 6.1 to 15.8 per $100); the state rebate is capped at $600 a parcel, which only matters above about $397,000 of LPV. Some parcels also sit in special districts not counted here.
Water: City of Phoenix rates effective March 1, 2025 (still current): $4.64 a month for a 5/8-inch meter, which includes 5 units (748 gallons each) from October to May and 8 units from June to September, so we include 6 units a month on average. Above that we charge $6.19 a unit: the average of the low, medium and high season rates ($4.93, $5.65, $6.13) plus the $0.62 environmental charge, which applies to every unit. Sewer (single-family schedule, July 2026 file): $1.00 a month plus $3.7197 a unit of sewer flow, where flow is 83% of your January to March average water use; we apply it to the water use you enter, which works out to $3.0874 per unit of water.
City services bill flat items for a single-family home: stormwater excise tax $0.95, state mandated jail costs $1.00 and city services tax $1.50 a month (the $0.05 state landfill fee is left out because no source we could read says it is monthly). Garbage from July 1, 2026: $42.32 a month for the standard 90-gallon container or $37.32 for the 60-gallon one ($5 discount), recycling included. Phoenix's 2.7% utility services tax is added to water, sewer, electricity and gas; the 6.3% state and county sales tax on water, and the taxes, regulatory assessment and franchise fees on APS and Southwest Gas bills, are not included.
Electricity: APS and SRP each serve parts of Phoenix (SRP lists Phoenix among the cities it serves all or in part); we use APS, so SRP customers should check their own bill. APS's R-1 Fixed Energy Charge Plan has no time-of-use or seasonal charges, so it is a fair year-round figure; most APS customers are on time-of-use plans that can cost less. Large tier (homes averaging 1,000 kWh or more): $0.458 a day plus the $2.49 monthly renewable (REAC) charge cap = $16.42 a month, and 15.418 cents per kWh plus the power supply adjustment (0.4520 + 1.2457), transmission (0.5358), demand-side management (0.0754), LFCR (0.246) and court resolution (0.148) charges = 18.121 cents per kWh. Typical use: 1,000 kWh a month, APS's typical residential customer.
Gas: Southwest Gas G-5 single-family residential, $10.70 a month plus $1.59037 per therm (statement effective September 1, 2026; the gas cost part changes monthly), at 24 therms a month, Southwest Gas's average residential customer. Insurance: Arizona's 2022 statewide average HO-3 premium (NAIC via Triple-I), not a Phoenix-specific figure.
Nothing here is legal, tax or insurance advice.

Sources

How Phoenix compares

A typical Phoenix house against the 8 Arizona cities we cover, using the same default numbers as the total above.

Per year	Phoenix	Median	Where it falls
Property tax rate	1.10%	0.75%	higher than 6 of the other 7 Arizona cities we cover
Water	$323	$455	lower than 7 of the other 7 Arizona cities we cover
Sewer and utility-bill fees	$405	$442	lower than 5 of the other 7 Arizona cities we cover
Trash	$508	$333	higher than 5 of the other 5 Arizona cities we cover
Electricity and gas	$3,038	$2,828	higher than 6 of the other 7 Arizona cities we cover
Home insurance	$1,018	$1,018	in the middle of 7 other Arizona cities we cover
Total	$7,023	$7,008	higher than 4 of the other 7 Arizona cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Phoenix's property tax rate is 1.10%, higher than 6 of the other 7 Arizona cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Phoenix is 1.10%, higher than 6 of the other 7 Arizona cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $323 a year at typical use, lower than 7 of the other 7 Arizona cities we cover.

Ask: "Water here costs about $323 a year at typical use, lower than 7 of the other 7 Arizona cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $508 a year for the standard cart, higher than 5 of the other 5 Arizona cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $508 a year for the standard cart, higher than 5 of the other 5 Arizona cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $3,038 a year, higher than 6 of the other 7 Arizona cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $3,038 a year for a typical house, higher than 6 of the other 7 Arizona cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Phoenix house costs

What is the property tax rate in Phoenix?

About 1.10% of the value before exemptions a year (2026 tax year, Maricopa County (tax area 061300)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Phoenix?

About $5,506 a year on $500,000 of the value before exemptions.

How much is the water bill in Phoenix?

About $59 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Phoenix Water Services.

How much does trash pickup cost in Phoenix?

$37 to $42 a month, depending on the trash cart size (60-gallon, 90-gallon (standard)).

When is property tax due in Phoenix?

Nov 2, 2026: Unpaid first-half 2026 property taxes become delinquent after 5 pm, and interest of 16% a year applies from then. Mar 1, 2027: The second half of 2026 property taxes is due.

Can seniors lower their property tax or bills in Phoenix?

Yes. Income at or below 200% of poverty: APS Energy Support Program: APS takes 60% off the monthly bill (up to $165) for households from 0% through 75.99% of the federal poverty guidelines, and 25% (up to $95) from 76% through 200%.

Where can I get help paying utility bills in Phoenix?

Income up to 250% of poverty: Southwest Gas LIRA: Southwest Gas's Low Income Ratepayer Assistance gives a discounted monthly basic service charge and a 30% reduction on the per-therm rate year-round. Apply for LIRA with Southwest Gas.

How much does a house in Phoenix cost to run each year?

All Arizona cities All cities