Property Taxes in Tumacacori, Arizona
Median Tumacacori, Arizona effective property tax rate: 0.96%, significantly lower than the national median of 1.02%, and higher than the Arizona state median of 0.51%.
Median Tumacacori, Arizona home value: $138,414
Median annual Tumacacori, Arizona tax bill: $1,241, lower than the national median property tax bill of $2,400.
How are property taxes in Santa Cruz calculated?
Property taxes in Tumacacori, 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 Tumacacori's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Tumacacori, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Tumacacori Property Tax Calculator Work?
Use this Tumacacori property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Tumacacori's median effective tax rate of 0.96% — 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 Tumacacori'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 Tumacacori: rates range from 0.96% in 85640 to 0.96% in 85640, primarily due to differences in school district levies and local assessment districts. Tumacacori's median tax rate is lower than the 1.02% national median property tax rate and lower than the 0.51% state median tax rate. The median property tax bill is $1,241, which is lower than the $2,400 national median property tax bill and $1,159 lower than the state tax bill difference.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Tumacacori.
About Tumacacori Property Taxes
About Property Taxes in Tumacacori, Santa Cruz, Arizona
Tumacacori's median effective property tax rate of 0.96% 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 Tumacacori. Homeowners in the 85640 ZIP code carry a median effective rate of 0.96%, while those in the same ZIP code pay 0.96%. This spread — 0.00 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 Tumacacori you live in can make a meaningful difference to your annual tax bill.
Tumacacori 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 Tumacacori, 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 Tumacacori'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 Tumacacori Tax Rate
0.96%
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 Tumacacori, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85640 | 0.64% | 0.84% | 0.96% | 1.07% | 1.26% |
Source: Ownwell
Property Tax Assessment Values Across Tumacacori, Santa Cruz County, Arizona
When examining property taxes in Tumacacori, 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. Santa Cruz County 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. 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. 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 Tumacacori.
For example, the median home price in Tumacacori is $138,414, with tax bills ranging significantly across the county. 85640 has the highest median home price at $138,414.
Property Tax Assessment Values Across Tumacacori, Santa Cruz County, Arizona
Source: Ownwell
$110,030
$245,024
$380,017
Median Tumacacori Market Value
$138,414
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 Tumacacori, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85640 | $35,685 | $77,022 | $138,414 | $252,483 | $408,526 |
Source: Ownwell
Property Tax Bills Across Tumacacori, Santa Cruz County, Arizona
How are property tax bills calculated in Tumacacori?
Property tax bills in Tumacacori are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessed value, so a higher assessment usually means a higher bill. For homeowners, this means the amount owed can change when property values or tax rates change.
What factors affect the bill?
The main factors are the home’s assessed value, the local tax rate, and any exemptions that may apply. With a median home price of $138,414, property tax bills can vary widely across the area. The 25th percentile tax bill is $663, while the 75th percentile reaches $2,352. At the 90th percentile, bills rise to $3,986, showing how quickly costs can increase for higher-valued homes.
How does this compare with typical property taxes?
The highest and lowest median tax bill listed for ZIP code 85640 is $1,241, which is below the national median property tax bill of $2,400 and close to the national median property tax rate of 1.02%.
Median Tumacacori Tax Bill
$1,241
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 Tumacacori, Santa Cruz County, Arizona
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 85640 | $304 | $663 | $1,241 | $2,352 | $3,986 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 28 |
Links | |
|---|---|
| Santa Cruz Tax Assessor | |
| Website | parcelsearch.santacruzcountyaz.gov |