Property Taxes in Oro Valley, Arizona
Median ORO VALLEY, Arizona effective property tax rate: 0.95%, significantly lower than the national median of 1.02%, and higher than the Arizona state median of 0.51%.
Median ORO VALLEY, Arizona home value: $398,646
Median annual ORO VALLEY, Arizona tax bill: $3,731, $1,331 higher than the national median property tax bill of $2,400.
How are property taxes in Pima calculated?
Property taxes in ORO VALLEY, 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 ORO VALLEY's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in ORO VALLEY, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the ORO VALLEY Property Tax Calculator Work?
Use this ORO VALLEY property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies ORO VALLEY's median effective tax rate of 0.95% — based on actual property records in Pima 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 ORO VALLEY'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 ORO VALLEY: rates range from $782.00 in 85737 to $5,443.00 in 85742, primarily due to differences in school district levies and local assessment districts. ORO VALLEY's median property tax bill of $3,731 is lower than the state median tax rate of 0.51%, but higher than the national median property tax bill of $2,400.
If your estimate is higher than expected, Ownwell can appeal your ORO VALLEY assessment — you only pay if we save you money.
About Oro Valley Property Taxes
About Property Taxes in ORO VALLEY, Pima, Arizona
ORO VALLEY's median effective property tax rate of 0.95% is lower than the Arizona state median of 0.51% and higher than the national median of 1.02%. This rate reflects the Pima 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 ORO VALLEY. Homeowners in the 85742 ZIP code carry a median effective rate of 0.99%, while those in 85704 pay 0.93%. This spread — 0.06 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Pima County. Understanding which part of ORO VALLEY you live in can make a meaningful difference to your annual tax bill.
ORO VALLEY 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 Oro Valley, Pima 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 Oro Valley'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 Oro Valley Tax Rate
0.95%
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 Pima County Tax Rate
0.85%
Median Effective Arizona Tax Rate
0.51%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Oro Valley, Pima County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85704 | 0.81% | 0.85% | 0.93% | 0.99% | 1.02% |
| 85737 | 0.80% | 0.84% | 0.96% | 1.00% | 1.10% |
| 85742 | 0.91% | 0.94% | 0.99% | 1.02% | 1.17% |
| 85755 | 0.85% | 0.90% | 0.95% | 1.01% | 1.06% |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Assessment Values Across Oro Valley, Pima County, Arizona
When examining property taxes in Oro Valley, 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 Pima County appraisal district 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 Pima 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. 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 Oro Valley.
For example, the median home price in Oro Valley is $398,646, with tax bills ranging significantly across the county. 85742 has the highest median home price at $552,182.
Property Tax Assessment Values Across Oro Valley, Pima County, Arizona
Source: Ownwell
$51,793
$306,338
$560,882
Median Oro Valley Market Value
$398,646
Median Pima County Market Value
$261,407
Median Arizona Market Value
$327,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Oro Valley, Pima County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85704 | $365,466 | $396,591 | $509,466 | $677,936 | $783,053 |
| 85737 | $72,480 | $79,258 | $83,328 | $98,451 | $112,023 |
| 85742 | $388,137 | $483,730 | $552,182 | $675,748 | $847,929 |
| 85755 | $288,926 | $332,259 | $389,092 | $507,735 | $782,151 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Bills Across Oro Valley, Pima County, Arizona
Property tax bills in Oro Valley are calculated from the assessed value of a home and the local tax rate set for Pima County. The bill is based on what the property is worth in the market, so changes in home value can affect what homeowners owe. With a median home price of $398,646, many owners see bills that vary widely depending on location and assessment details.
In Oro Valley, the 25th percentile tax bill is $3,059, while the 75th percentile is $5,110 and the 90th percentile reaches $8,165. That range shows how much a property tax bill can differ from one homeowner to another. The highest median tax bill is $5,443 in ZIP code 85742, while the lowest is $782 in ZIP code 85737.
Ownwell can help homeowners review their assessment, identify savings opportunities, and appeal unfair property tax bills. By challenging an overassessment, Ownwell helps homeowners lower what they pay and keep more of their money each year.
Median Oro Valley Tax Bill
$3,731
Median Pima County Tax Bill
$2,206
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Oro Valley, Pima County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85704 | $3,034 | $3,439 | $4,581 | $6,723 | $7,625 |
| 85737 | $564 | $692 | $782 | $881 | $1,096 |
| 85742 | $4,478 | $4,688 | $5,443 | $7,254 | $9,002 |
| 85755 | $2,664 | $3,036 | $3,664 | $4,902 | $8,115 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 21 |
Links | |
|---|---|
| Pima Tax Assessor | |
| Website | www.to.pima.gov |