Property Taxes in Naco, Arizona
Median Naco, Arizona effective property tax rate: 1.33%, significantly higher than the national median of 1.02%, and higher than the Arizona state median of 0.51%.
Median Naco, Arizona home value: $68,190
Median annual Naco, Arizona tax bill: $795, lower than the national median property tax bill of $2,400.
How are property taxes in Cochise calculated?
Property taxes in Naco, Arizona are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Naco's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Naco, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Naco Property Tax Calculator Work?
Use this Naco property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Naco's median effective tax rate of 1.33% — based on actual property records in Cochise County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Naco's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Naco: rates range from 1.33% in 85620 to 1.33% in 85620, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Naco.
About Naco Property Taxes
About Property Taxes in Naco, Cochise, Arizona
Naco’s median effective property tax rate of 1.33% is lower than the Arizona state median of 0.51% and higher than the national median of 1.02%. This rate reflects the Cochise County levy combined with local taxing districts that affect property bills across the city.
Property tax rates are not uniform across Naco. Homeowners in ZIP code 85620 carry a median effective rate of 1.33%, and the same ZIP code also shows a median tax bill of $795. That consistency reflects how local assessments are applied within this part of Cochise County, and it can still make a difference when comparing your bill to similar homes elsewhere.
Naco homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the April 28, 2026 deadline each year. Notices are sent in March.
If your estimated bill seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Naco, Cochise County, Arizona
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Naco's effective property tax rate to other cities in Arizona and the median property tax rates in Arizona and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Naco Tax Rate
1.33%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Cochise County Tax Rate
0.87%
Median Effective Arizona Tax Rate
0.51%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Naco, Cochise County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85620 | 1.18% | 1.29% | 1.33% | 1.54% | 1.66% |
Source: Ownwell
Property Tax Assessment Values Across Naco, Cochise County, Arizona
When examining property taxes in Naco, Arizona, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Cochise County assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Cochise County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For context, the median home price in Naco is $68,190, with a median tax bill of $795. That is well below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%. For example, zip code 85620 has the highest median home price at $68,190.
Property Tax Assessment Values Across Naco, Cochise County, Arizona
Source: Ownwell
$44,900
$137,341
$229,782
Median Naco Market Value
$68,190
Median Cochise County Market Value
$135,808
Median Arizona Market Value
$327,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Naco, Cochise County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85620 | $17,730 | $43,443 | $68,190 | $99,804 | $134,816 |
Source: Ownwell
Property Tax Bills Across Naco, Cochise County, Arizona
Property tax bills in Naco are based on the assessed value of a home, not its market price. Local taxing authorities apply their tax rates to that assessed value to determine the annual bill, which means the amount a homeowner owes can change if the assessed value changes or if tax rates are adjusted.
For homeowners in Naco, the size of the tax bill depends on several factors, including the home’s assessed value, the applicable local tax rates, and any exemptions that may reduce the taxable amount. With a median home price of $68,190, property taxes can still vary widely from one property to another.
The 25th percentile tax bill is $259, while the 75th percentile is $1,195 and the 90th percentile is $1,712. The median tax bill is $795, which is well below the national median property tax bill of $2,400. That lower bill can help keep monthly housing costs more manageable for homeowners, but even modest changes in assessed value can affect what they owe each year.
Median Naco Tax Bill
$795
Median Cochise County Tax Bill
$1,018
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Naco, Cochise County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85620 | $93 | $259 | $795 | $1,195 | $1,712 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 28 |
Links | |
|---|---|
| Cochise Tax Assessor | |
| Website | asr.cochise.gov |