Property Taxes in Clay Springs, Arizona
Median Clay Springs, Arizona effective property tax rate: 0.31%, significantly lower than the national median of 1.02%, and lower than the Arizona state median of 0.51%.
Median Clay Springs, Arizona home value: $167,572
Median annual Clay Springs, Arizona tax bill: $510, lower than the national median property tax bill of $2,400.
How are property taxes in Navajo calculated?
Property taxes in Clay Springs, 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 Clay Springs's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clay Springs, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Clay Springs Property Tax Calculator Work?
Use this Clay Springs property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Clay Springs' median effective tax rate of 0.31% — based on actual property records in Navajo 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 Clay Springs' 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 Clay Springs: rates range from 0.31% in 85923 to 0.31% in 85923, 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 Clay Springs.
About Clay Springs Property Taxes
About Property Taxes in Clay Springs, Navajo, Arizona
Clay Springs's median effective property tax rate of 0.31% is lower than the Arizona state median of 0.51% and lower than the national median of 1.02%. This rate reflects the Navajo County base levy combined with local school district levies and Community facilities districts (CFDs) that vary by subdivision throughout the city.
Property tax rates are not uniform across Clay Springs. Homeowners in the 85923 ZIP code carry a median effective rate of 0.31%, while those in 85923 pay 0.31%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Navajo County. Understanding which part of Clay Springs you live in can make a meaningful difference to your annual tax bill.
Clay Springs homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the April 28, 2026 deadline each year.
If your estimated bill above 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 Clay Springs, Navajo 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 Clay Springs'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 Clay Springs Tax Rate
0.31%
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 Navajo County Tax Rate
0.51%
Median Effective Arizona Tax Rate
0.51%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Clay Springs, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85923 | 0.24% | 0.28% | 0.31% | 0.37% | 0.42% |
Source: Ownwell
Property Tax Assessment Values Across Clay Springs, Navajo County, Arizona
When examining property taxes in Clay Springs, 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 Navajo County tax authority 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 Navajo County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Clay Springs.
For example, the median home price in Clay Springs is $167,572, with tax bills ranging significantly across the county. 85923 has the highest median home price at $167,572.
Property Tax Assessment Values Across Clay Springs, Navajo County, Arizona
Source: Ownwell
$15,851
$212,621
$409,390
Median Clay Springs Market Value
$167,572
Median Navajo County Market Value
$241,886
Median Arizona Market Value
$327,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Clay Springs, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85923 | $41,060 | $93,537 | $167,572 | $263,784 | $379,320 |
Source: Ownwell
Property Tax Bills Across Clay Springs, Navajo County, Arizona
Property tax bills in Clay Springs are based on the assessed value of a home, which is then multiplied by the local tax rate. For homeowners in this Navajo County community, the amount owed can vary depending on the market value of the property, local taxing jurisdictions, and any exemptions or appeals that may apply.
With a median home price of $167,572, property taxes can still create a meaningful annual expense. The 25th percentile tax bill is $296, while the 75th percentile is $844 and the 90th percentile reaches $1,143. The median tax bill is $510, which is well below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%.
For homeowners, this means property taxes are often a manageable part of ownership, but they still depend on how the home is assessed and how local rates are applied. Even a modest change in assessed value can affect the final bill.
Median Clay Springs Tax Bill
$510
Median Navajo County Tax Bill
$1,066
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Clay Springs, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85923 | $129 | $296 | $510 | $844 | $1,143 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 28 |
Links | |
|---|---|
| Navajo Tax Assessor | |
| Website | navajocountyaz.gov |