Property Taxes in Amado, Arizona
Median Amado, 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 Amado, Arizona home value: $194,657
Median annual Amado, Arizona tax bill: $1,776, lower than the national median property tax bill of $2,400.
How are property taxes in Santa Cruz calculated?
Property taxes in Amado, 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 Amado's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Amado, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Amado Property Tax Calculator Work?
Use this Amado property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Amado's median effective tax rate of 0.95% — based on actual property records in Santa Cruz 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 Amado'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 Amado: rates range from 0.95% in 85645 to 0.95% in 85645, 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 Amado.
About Amado Property Taxes
About Property Taxes in Amado, Santa Cruz, Arizona
Amado’s median effective property tax rate of 0.95% is lower than the Arizona state median of 0.51% and lower than the national median of 1.02%. This rate reflects the Santa Cruz 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 Amado. Homeowners in the 85645 ZIP code carry a median effective rate of 0.95%, while those in 85645 pay 0.95%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Santa Cruz County. Understanding which part of Amado you live in can make a meaningful difference to your annual tax bill.
Amado 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 Amado, Santa Cruz 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 Amado'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 Amado 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 Santa Cruz County Tax Rate
0.81%
Median Effective Arizona Tax Rate
0.51%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Amado, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85645 | 0.69% | 0.80% | 0.95% | 1.16% | 1.70% |
Source: Ownwell
Property Tax Assessment Values Across Amado, Santa Cruz County, Arizona
When examining property taxes in Amado, 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 Santa Cruz 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 Santa Cruz County, assessment notices are sent in March each year.
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 Amado.
For example, the median home price in Amado is $194,657, with tax bills ranging significantly across the county. Zip code 85645 has the highest median home price at $194,657.
Property Tax Assessment Values Across Amado, Santa Cruz County, Arizona
Source: Ownwell
$110,030
$245,024
$380,017
Median Amado Market Value
$194,657
Median Santa Cruz County Market Value
$175,032
Median Arizona Market Value
$327,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Amado, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85645 | $51,903 | $120,601 | $194,657 | $278,662 | $505,283 |
Source: Ownwell
Property Tax Bills Across Amado, Santa Cruz County, Arizona
How are property tax bills calculated in Amado?
Property tax bills in Amado are based on the assessed value of a home and the local tax rate set for Santa Cruz County. When a property’s market value changes, the assessed value can change too, which affects the final bill. The tax bill is determined by applying the tax rate to the assessed value, so homeowners with higher-valued homes generally pay more.
What factors are considered when calculating the bill?
Local assessments, county tax rates, and any applicable exemptions all play a role in the amount owed. In Amado, the median home price is $194,657, and the median property tax bill is $1,776, which is below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%.
How does this affect homeowners?
Bills can vary widely, with the 25th percentile at $1,049 and the 75th percentile at $2,631. For some homeowners, that difference can have a meaningful impact on monthly housing costs and overall affordability.
Median Amado Tax Bill
$1,776
Median Santa Cruz County Tax Bill
$1,364
Median Arizona Tax Bill
$1,695
Median United States Tax Bill
$3,209
Property Tax Bills Across Amado, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85645 | $702 | $1,049 | $1,776 | $2,631 | $7,264 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 28 |
Links | |
|---|---|
| Santa Cruz Tax Assessor | |
| Website | parcelsearch.santacruzcountyaz.gov |