Property Taxes in Overgaard, Arizona
Median Overgaard, Arizona effective property tax rate: 0.51%, significantly lower than the national median of 1.02%, and lower than the Arizona state median of 0.51%.
Median Overgaard, Arizona home value: $217,892
Median annual Overgaard, Arizona tax bill: $1,102, $1,298 lower than the national median property tax bill of $2,400.
How are property taxes in Navajo calculated?
Property taxes in Overgaard, 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 Overgaard's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Overgaard, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Overgaard Property Tax Calculator Work?
Use this Overgaard property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Overgaard's median effective tax rate of 0.51% — 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 Overgaard'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 Overgaard: rates range from 0.51% in 85933 to 0.51% in 85933, 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 Overgaard.
About Overgaard Property Taxes
About Property Taxes in Overgaard, Navajo, Arizona
Overgaard’s median effective property tax rate of 0.51% 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 Overgaard. Homeowners in the 85933 ZIP code carry a median effective rate of 0.51%, while those in the 85933 pay 0.51%. 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 Overgaard you live in can make a meaningful difference to your annual tax bill.
Overgaard 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 Overgaard, 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 Overgaard'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 Overgaard Tax Rate
0.51%
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 Overgaard, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85933 | 0.38% | 0.44% | 0.51% | 0.56% | 0.61% |
Source: Ownwell
Property Tax Assessment Values Across Overgaard, Navajo County, Arizona
When examining property taxes in Overgaard, 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 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 Navajo County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the season.
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 Overgaard is $217,892, and the median tax bill is $1,102, below the national median property tax bill of $2,400. Tax bills range from $527 at the 25th percentile to $2,764 at the 90th percentile.
Property Tax Assessment Values Across Overgaard, Navajo County, Arizona
Source: Ownwell
$15,851
$212,621
$409,390
Median Overgaard Market Value
$217,892
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 Overgaard, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85933 | $61,794 | $117,278 | $217,892 | $368,076 | $549,721 |
Source: Ownwell
Property Tax Bills Across Overgaard, Navajo County, Arizona
Property tax bills in Overgaard are calculated from the assessed value of a home and the local tax rate set for Navajo County and other taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the final bill homeowners receive. The amount owed is determined by multiplying the assessed value by the applicable tax rate, then adjusting for any exemptions or local levies that apply.
For many homeowners, this means the tax bill can vary even among similar homes, depending on location, property characteristics, and how the home is assessed. In Overgaard, the median home price is $217,892, and the median property tax bill is $1,102, which is below the national median property tax bill of $2,400. Bills in the area can still range widely, with the 25th percentile at $527 and the 75th percentile at $1,876. Higher tax bills can increase monthly housing costs and make homeownership less affordable.
Median Overgaard Tax Bill
$1,102
Median Navajo County Tax Bill
$1,066
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Overgaard, Navajo County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85933 | $269 | $527 | $1,102 | $1,876 | $2,764 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 28 |
Links | |
|---|---|
| Navajo Tax Assessor | |
| Website | navajocountyaz.gov |