- đĄ Arizonaâs median home price is $441,200 as of August 2025, making it more affordable than many coastal markets.
- đ A 1% lower mortgage rate can save Arizona buyers over $1,800 per year on a $440,000 loan.
- âď¸ New NAR rules in 2024 now require written buyer-broker agreements in Arizona before viewing homes.
- 𧞠Arizona homebuyers should plan for closing costs of 2â5% of the purchase price, in addition to down payment.
- đľ Arizona allows commission rebatesâagents can legally share part of their commission with buyers at closing.
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How to Buy a House in Arizona in 2025: An 11-Step Guide + Savings Tips
Buying a house in Arizona in 2025 means entering a more balanced real estate market than in recent years. With median home prices around $441,200 statewide and homes staying on the market for 72 days (up from 58 days last year), Arizona buyers have more negotiating power than during the 2021-2022 frenzy. The Grand Canyon State offers diverse opportunities from Phoenixâs urban sprawl to Tucsonâs desert charm, Flagstaffâs mountain retreats, and Scottsdaleâs upscale neighborhoods. Commission rebates are fully legal in Arizona, multiple down payment assistance programs exist, and the market is showing signs of stabilization. This guide walks you through buying a home in Arizona, from financial preparation to closing day, with state-specific strategies to save money.
Step 1. Save for a Down Payment in Arizona
Saving for a down payment is the first major step in buying an Arizona home. With the stateâs median home price at $441,200 (and higher in markets like Scottsdale at $861,520), youâll need to plan carefully. Fortunately, Arizona offers several generous down payment assistance programs that can significantly reduce your upfront costs.
| Loan Type | Minimum Down Payment | Recommended Credit Score |
|---|---|---|
| Conventional | 3â5% | 620+ |
| FHA | 3.5% | 580+ (or 500 w/ 10% down) |
| VA | 0% | 620+ |
| USDA | 0% | 640+ |
đĄ What it means for Arizona buyers: On Arizonaâs median home price of $441,200:
- 3% down = $13,236
- 5% down = $22,060
- 10% down = $44,120
This amount doesnât cover closing costs (typically 2â5% in Arizona, or $8,824-$22,060), inspections, or emergency reserves. Many Arizona lenders suggest planning for an additional 2â5% of the homeâs price for total upfront expenses.
Arizona offers several excellent down payment assistance (DPA) programs:
- HOME Plus: Up to 4% of loan amount statewide, available as forgivable (after 5 years) or non-forgivable second mortgage
- Arizona Is Home: 4% down payment assistance for first-time buyers in rural counties (currently out of funds for 2025, but may resume in 2026)
- Home in Five Advantage (Maricopa County): Up to 6% assistance through forgivable second mortgage; extra 1% for teachers, first responders, military/veterans, or those earning under $49,500
- Home in Five Platinum (Maricopa County): Up to 4% as 0% interest forgivable second mortgage for first-time buyers
- WISH Program: 4-to-1 matching grants up to $32,099 (you contribute $10,000, receive up to $40,000 total)
- Pima Tucson Programs: Various programs offering up to 20% assistance for Tucson-area buyers
You can combine these Arizona DPA programs with commission rebates (see Step 10) to minimize your out-of-pocket costs even further in this increasingly affordable market.
Arizonaâs HOME Plus program offers forgivable down payment assistanceâmeaning if you stay in the home for 5 years, you never have to repay it. This is available statewide in every Arizona county, city, and zip code. Apply early, as some programs like Arizona Is Home can run out of funding during peak buying seasons.
Step 2. Get Pre-Approved for a Mortgage in Arizona
Before house hunting in Arizonaâs diverse markets, getting a mortgage pre-approval is essential. While Arizonaâs market is more balanced than in 2021-2022, sellers in desirable areas like Scottsdale, Paradise Valley, and North Phoenix still prioritize buyers with verified financing.
To get pre-approved, youâll submit:
- The last 2 years of tax returns and W-2s
- 2â3 months of recent pay stubs
- Credit report (lender will request)
- Asset and bank statements
âď¸ A strong credit score helps Arizona buyers qualify for lower rates. Small credit improvements can save thousands on Arizona mortgages:
- Raising your score from 650 to 700 could reduce your interest rate by 0.5%â0.75%, potentially saving you over $175/month on a $441,200 Arizona home.
đ Avoid these mistakes during your Arizona mortgage process:
- Opening new credit cards during mortgage evaluation
- Making major purchases (e.g., car or furniture)
- Switching jobs suddenly without informing your Arizona lender
- Withdrawing large sums from savings without documentation
Choosing a rebate-friendly Arizona lender is important. Some lenders wonât allow commission rebates, which could cost you thousands. Since rebates are legal in Arizona, work with lenders who accept themâArizona agents offering rebates can recommend compatible lenders.
Request pre-approval from multiple Arizona lenders within a 14-day window. Credit bureaus treat multiple mortgage inquiries in this period as a single inquiry, protecting your score while you shop for the best rate among Phoenix, Tucson, Scottsdale, and Flagstaff lenders. Even a 0.25% rate difference can save you over $90/month on Arizonaâs median home price.
Step 3. Find a Local Arizona Real Estate Agent
As of 2024, Arizona real estate rules require buyers to sign a buyer-broker agreement before submitting offers. These NAR-mandated rules emphasize transparency about agent compensation.
đ What to look for in an Arizona agent:
- đşď¸ Deep knowledge of your target Arizona market (Phoenix, Tucson, Scottsdale, Mesa, Chandler, etc.)
- đŹ Strong negotiation skills in Arizonaâs current balanced market
- đ¸ Willingness to offer commission rebates (legal in Arizona with proper disclosure)
- đ Access to Arizona MLS listings, off-market deals, and rebate-friendly lenders
- đľ Understanding of Arizona-specific issues (desert landscaping, monsoon concerns, HOAs)
Ask your Arizona agent:
- Do you provide a written commission rebate? (Arizona law allows this)
- Will you require me to pay out-of-pocket for your services, or is compensation coming from the seller?
- Can you negotiate closing credits or inspection repairs in Arizona transactions?
- Are you familiar with Arizonaâs down payment assistance programs?
- Do you understand Arizona-specific property concerns (HVAC systems, pool maintenance, desert landscaping)?
In Arizona, buyer agent commissions typically range from 2.60% to 2.62% of the purchase price. On a $441,200 Arizona home, thatâs $11,471 to $11,559. Agents offering rebates can share 50% or more of their commission with youâpotentially putting $5,700+ back in your pocket at closing.
Before signing a buyer-broker agreement in Arizona, confirm the rebate amount in writing and verify it will be disclosed to your lender. Arizona regulations allow rebates, and proper early disclosure prevents delays at closing. On a $441,200 home with a 1.3% rebate, youâd receive approximately $5,736âmeaningful savings in Arizonaâs market.
Step 4. Choose the Right Arizona Location
Picking a location in Arizona is about more than priceâit shapes your lifestyle, climate experience, and monthly costs. Arizona offers incredible diversity: urban Phoenix metro, college-town Tucson, mountain retreat Flagstaff, upscale Scottsdale, and numerous smaller communities.
| Arizona City | Median Home Price | Annual Property Taxes (Est.) | Avg. Buyer Rebate* |
|---|---|---|---|
| Phoenix | $462,000 | $2,772 | $6,006 |
| Scottsdale | $861,520 | $5,169 | $11,200 |
| Tucson | $370,000 | $2,220 | $4,810 |
| Mesa | $445,000 | $2,670 | $5,785 |
| Chandler | $525,000 | $3,150 | $6,825 |
*Estimated rebates based on 1.3% buyer agent rebate at 2.6% total commission. Arizona allows rebates with proper lender disclosure.
đ Consider beyond listing price in Arizona:
- School ratings (Arizonaâs public school performance varies significantly by district)
- Commute patterns (Phoenix sprawl vs. Tucsonâs more compact layout)
- HOA fees (extremely common in Arizona planned communities, can be $100-$500+/month)
- Arizonaâs property taxes (approximately 0.6% of assessed valueâlower than many states)
- Climate variations (Phoenixâs extreme summer heat vs. Flagstaffâs four seasons)
- Monsoon considerations (flooding risks in certain Arizona areas)
- Water/utilities (can be higher in desert climate, especially during summer)
Use calculators to see the real monthly cost for each Arizona area, including property taxes, HOA fees, higher summer utility bills, and homeowners insurance.
Arizona has no state income tax, making it a tax-friendly state for homeowners. However, HOA fees are ubiquitous in newer Arizona communities and can add $150-$400+ monthly to housing costs. When comparing Arizona homes, always ask about HOA fees upfrontâa seemingly cheaper home with high HOA fees could cost more monthly than a pricier home without them.
Step 5. Start Your Arizona Home Search
With pre-approval and an Arizona agent secured, itâs time to shop for your future home. Begin by deciding what you must have and what you would like in Arizonaâs diverse housing market.
Must-Haves for Arizona Buyers:
- 3+ bedrooms
- Single-family home, townhome, or condo
- Located in target Arizona city/neighborhood
- Working air conditioning (absolutely critical in Arizona)
- Covered parking or garage (protects vehicles from intense Arizona sun)
Nice-to-Haves in Arizona:
- Swimming pool (common in Arizona, but adds maintenance costs)
- Desert landscaping (low-water, cost-effective)
- Updated/efficient HVAC system (major expense in Arizona climate)
- North-facing backyard (provides afternoon shade in Arizona)
- Mountain or desert views
Your Arizona agent will set up MLS alerts for Phoenix metro, Tucson, Flagstaff, or your target area. Unlike Zillow, the Arizona MLS offers:
- More accurate, legal listing information for Arizona properties
- Real-time Arizona market updates
- Property disclosures and Arizona-specific offer history
- Access to new construction in growing Arizona communities
- Information about HOAs, water/utility providers, and flood zones
In Arizonaâs current market, homes listed for 72+ days (the state median) often indicate motivated sellers. Properties exceeding this threshold may be more negotiable on price, closing costs, or including valuable items like upgraded HVAC systems, which can cost $8,000-$15,000 to replace in Arizonaâs climate. Focus on homes with recent price dropsâ28.8% of Arizona homes had price reductions in August 2025.
Step 6. Draft and Submit an Offer in Arizona
When you find the right Arizona home, your agent will help write a legal offer using Arizona-specific forms and standards. This involves both price and terms:
- Offer price: Based on Arizona comps and seller motivation
- Earnest money deposit: Typically 1â3% of purchase price held in Arizona escrow
- Arizona contingencies: Loan, inspection, appraisal, and HOA document review
- Optional clauses: Escalation clause, appraisal gap coverage, seller concessions, home warranty inclusion
đĄ Arizona market conditions should shape your offer strategy:
- In Scottsdale/Paradise Valley: Still competitive for luxury homesâstrong offers often needed
- In Phoenix/Tempe/Mesa: More balanced than 2021-2022, reasonable offers typically accepted
- In Tucson: Often negotiable with flexibility on terms and closing dates
- Statewide: Only 13.2% of Arizona homes sold above list price in August 2025 (down from 15%)
Arizona contingencies protect buyers from losing earnest money if the deal falls through. This is especially important for inspecting HVAC systems, pool equipment, and roof conditionâcritical components in Arizonaâs desert climate.
Instead of offering above asking price in competitive Arizona markets, consider offering at asking with an appraisal gap guarantee plus a quick closing timeline. Arizona sellers often value certainty and speedâoffering to close in 21 days instead of 30 can be more attractive than a slightly higher price, especially in Phoenixâs hot summer months when sellers want to move quickly.
Step 7. Negotiate with the Arizona Seller
Once your Arizona offer is submitted, the seller can accept, reject, or counter. Your agent will help you negotiate terms that can save thousands on your Arizona home purchase.
đ What you can negotiate in Arizona:
- đ° Seller-paid closing costs (often 1â3% of priceâsignificant on Arizonaâs $441,200+ median)
- đ ď¸ Repairs or post-inspection credits (important for HVAC, pool equipment, roof condition in Arizona climate)
- đ Flexible move-in dates or summer move-out timing (many Arizona sellers prefer avoiding summer moves)
- đ Inclusions like pool equipment, upgraded HVAC systems, window coverings, or desert landscaping features
- đ Home warranty covering HVAC and pool (valuable in Arizona where these are expensive to repair/replace)
In Arizona, negotiation isnât only about priceâitâs about the total financial package. A $5,000 credit for closing costs might be better than a $7,000 price reduction if you have limited cash, especially when combined with Arizonaâs down payment assistance programs.
Ask for seller concessions toward closing costs instead of a lower purchase price. In Arizona, this reduces your out-of-pocket expenses at closing while maintaining the appraised value for your lenderâparticularly useful when using HOME Plus or other Arizona assistance programs. Also request a home warranty covering HVAC and pool equipmentâin Arizonaâs climate, this $500-$700 expense could save you $10,000+ in the first year.
Step 8. Appraisal, Inspection & Title Search in Arizona
Before closing on your Arizona home, youâll complete several protective steps required by Arizona regulations and lenders:
- Appraisal ($350â$600 in Arizona): Confirms the homeâs value matches your offer and loan amount. Arizona appraisals typically come in close to contract price in the current market. If low, youâll renegotiate or pay the difference.
- Home Inspection ($350â$550 in Arizona): Inspectors check for issues including HVAC systems (criticalâmost important system in Arizona homes), roof condition, pool equipment, plumbing, electrical, and desert-specific concerns like foundation shifting or termite damage. You can accept âas-is,â request repairs, or walk away.
- Pool/Spa Inspection ($150â$300 in Arizona, if applicable): Separate inspection for pool equipment, often overlooked but expensive to repair in Arizona
- Title Search (required in Arizona): Ensures no legal claims, tax liens, or old debts are on the Arizona property. Arizona title insurance protects you and the lender.
đ Arizona contingency periods typically last 10 days for inspections in standard Arizona contracts. Working with experienced Arizona agents and lenders who understand these timelines keeps everything on schedule.
Arizona-specific inspection considerations:
- HVAC system age and condition (expect 10-15 year lifespan in Arizona heat; replacement costs $8,000-$15,000)
- Roof condition (flat roofs common in Arizonaâcheck for monsoon damage)
- Pool and spa equipment functionality (pumps, heaters, salt systems)
- Foundation issues related to Arizonaâs expansive soil
- Termite inspection (subterranean termites common in Arizona)
- Evaporative cooling systems (common in older Arizona homes)
Request a comprehensive Arizona home inspection that includes HVAC system evaluation, pool equipment inspection (if applicable), and roof condition assessment. Spending $500-$850 upfront can help you negotiate thousands in repairs or credits before closingâor avoid buying an Arizona home with a failing $12,000 HVAC system. In Arizonaâs extreme climate, HVAC is the single most important system to verify.
Step 9: Final Walkthrough in Arizona
Before closing on your Arizona home, schedule a final walkthrough typically 1 to 3 days prior. This gives you one last look to confirm:
- All agreed-upon repairs are completed per Arizona standards
- No new damage occurred during seller move-out
- Appliances and fixtures remain per Arizona contract
- HVAC system is functioning properly (test itâcritical in Arizona)
- Pool equipment is operational if applicable
- All Arizona-mandated disclosures have been provided
Bring to your Arizona walkthrough:
- Your Arizona home inspection report
- Repair agreement list
- Camera or phone for documentation
- Copy of the Arizona purchase agreement
đ Red flags in Arizona walkthroughs: Non-functioning AC (deal-breaker in Arizona), broken pool equipment, roof leaks, plumbing issues, or missing appliancesâreport immediately to your Arizona agent to delay closing or renegotiate.
Take extensive photos and videos during your Arizona final walkthrough, especially of the HVAC system, pool equipment (if applicable), and any roof areas accessible. Test the AC thoroughlyâin Arizona, a non-functioning AC system discovered after closing could cost you $10,000+ to replace. If you discover issues after closing, documentation is crucial for filing claims with Arizona title insurance or pursuing the seller for breach of contract.
Step 10: Closing Day in Arizona
Closing is the final step of buying an Arizona home. On this day, youâll officially become an Arizona homeowner and pay all final amounts through escrow.
At your Arizona closing, youâll:
- Review and sign the Closing Disclosure (CD)
- Pay Arizona closing costs (typically 2â5% of home price)
- Wire funds to Arizona escrow company (personal checks not accepted for large amounts)
- Sign Arizona deed and all required documents
- Receive keys after recording with Arizona county recorder (usually same-day)
â ď¸ Arizona closing costs typically include:
- Arizona title insurance (seller typically pays for ownerâs policy; buyer pays for lenderâs policy)
- Escrow fees (standard in Arizona transactions)
- Mortgage lender charges
- Prepaid Arizona property taxes and homeowners insurance
- HOA transfer fees (if applicableâcommon in Arizona communities)
- Arizona county recording fees
- Home warranty (optional but recommended in Arizona climate, $500-$700)
đ° If youâre working with a rebate agent, your Arizona commission rebate appears directly on your CD:
- Reduces your out-of-pocket cash at closing
- Can be applied toward closing costs (lender-dependent)
- Must be disclosed to lender
- On a $441,200 Arizona home with a 1.3% rebate, youâd receive approximately $5,736 back
- Not taxable by IRSâreduces your cost basis for future capital gains calculations
Review your Arizona Closing Disclosure at least 3 days before closing. Compare it line-by-line with your Loan Estimate to catch any unexpected fees or rate changes. Verify your commission rebate appears correctlyâArizona escrow officers are familiar with rebates, but double-checking prevents closing day surprises. On Arizonaâs median home price, even small fee errors can mean hundreds of dollars.
Step 11: Move-In & Arizona Homeownership Transition
Moving into your Arizona home isnât the finish lineâitâs the beginning of homeownership in the Grand Canyon State. Complete these Arizona-specific tasks to protect your investment and ensure a smooth transition.
Day 0â3: Immediate Arizona To-Dos
- Change locks & access codes (doors, garage, smart devices).
- Transfer Arizona utilities (APS, SRP, TEP, or your local provider; Southwest Gas; water districts) and photograph meter readings at move-in.
- Test AC immediately (absolutely critical in Arizonaârun it for several hours to ensure proper function).
- Activate Arizona homeowners insurance including adequate coverage for monsoon damage and pool liability.
- Quick condition walkthrough: Take photos/videos of rooms, appliances, HVAC system, pool equipment, and roof.
- File key Arizona documents: deed, Closing Disclosure, HOA documents, inspection reports, pool/spa manuals.
Week 1â4: Set Up Your Arizona Home Base
- Address changes: USPS, banks, Arizona MVD (Department of Motor Vehicles), employer, subscriptions.
- Arizona safety check: Test smoke/CO alarms, GFCIs; find main water shutoff, gas shutoff, breaker panel, and pool equipment shutoffs.
- Arizona maintenance calendar: AC filters (change monthly during summer in Arizona), pool service schedule, desert landscaping irrigation checks, monsoon preparation.
- Schedule HVAC maintenance: Annual service essential in Arizona climate ($150-$250, prevents $10,000+ replacement).
- Join HOA: Review Arizona HOA rules, pay dues, attend meetings if required.
Month 1â3: Protect Your Arizona Home Equity
- Register warranties (roof/HVAC/appliances/pool equipment) and note claim windows.
- Build an Arizona home file: Arizona permits, receipts, before/after photos for future resale.
- Optimize your Arizona mortgage: Set up autopay, consider biweekly payments to reduce principal faster.
- Arizona-specific considerations: Establish pool maintenance routine (if applicable), prepare for monsoon season (June-September), adjust to summer utility bills ($300-$500+ common in Phoenix summers), learn desert landscaping maintenance.
- Budget for Arizona costs: HVAC maintenance ($150-$250/year), pool service ($80-$150/month if applicable), higher summer utilities, HOA fees.
Ask the seller for their preferred Arizona service providers for HVAC, pool maintenance, and pest controlâmany offer ânew clientâ discounts that save you money while establishing reliable local contractors. Schedule annual HVAC maintenance in spring (before peak summer heat) when companies offer discounts. In Arizonaâs extreme climate, preventive HVAC maintenance ($150-$250) can prevent costly emergency repairs ($500-$2,000) and extend system life by years, potentially saving you $10,000+ in premature replacement costs.
Find Your Local Arizona Rebate Agent
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Frequently Asked Questions About Buying a House in Arizona
Are buyer rebates legal in Arizona?
Yes, buyer rebates are fully legal in Arizona. Real estate agents can share part of their commission with buyers. Arizona is not one of the 10 states that prohibit rebates. The rebate must be disclosed to your lender and documented on your settlement statement, but Arizona law fully permits this practice as a way for buyers to save money at closing. On a $441,200 home, a 1.3% rebate equals $5,736 back at closing.
How much money do I need to buy a house in Arizona in 2025?
For Arizonaâs median home price of $441,200, youâll need money for the down payment (typically 3-20%), closing costs (2-5% or roughly $8,824-$22,060), and reserves for moving costs and emergencies. With a 5% down payment, expect to need around $31,000-$45,000 total. However, Arizona offers generous down payment assistance through HOME Plus (up to 4%), Home in Five programs (up to 6% in Maricopa County), and WISH (4-to-1 matching grants) that can significantly reduce upfront costs. Commission rebates can add another $5,000-$6,000 back at closing.
What credit score do I need to buy a house in Arizona?
Most conventional loans in Arizona require a minimum credit score of 620, while FHA loans accept scores as low as 580 (or 500 with 10% down). VA and USDA loans typically require 620+. Arizonaâs down payment assistance programs vary, with HOME Plus and Home in Five generally requiring minimum scores of 620-640. Higher scores qualify you for better interest ratesâon a $441,200 Arizona home, improving from 650 to 700 could save you over $175 per month, or $2,100+ annually.
How competitive is the Arizona housing market right now?
As of 2025, Arizonaâs housing market is significantly more balanced than in 2021-2022. Homes stay on the market for a median of 72 days statewide (up from 58 days last year), with only 13.2% selling above list price (down from 15%). Inventory has increased 17% year-over-year, giving Arizona buyers more negotiating power and options. Price drops are common (28.8% of homes had reductions), and the median price of $441,200 is essentially flat year-over-year. This represents a buyer-friendly shift from the highly competitive market of recent years, especially in Phoenix, Mesa, and Tucson.
What down payment assistance programs are available in Arizona?
Arizona offers several excellent down payment assistance programs: HOME Plus (up to 4% statewide, forgivable after 5 years), Home in Five Advantage for Maricopa County (up to 6%, with extra 1% for teachers/first responders/military earning under $49,500), Home in Five Platinum (up to 4% for first-time buyers in Maricopa County), WISH Program (4-to-1 matching grants up to $32,099), and Pima Tucson programs (up to 20% for Tucson-area buyers). Arizona Is Home was available for rural counties but ran out of 2025 funding. Most programs require homebuyer education courses and have income limits at or below 80-100% of area median income.
How much are real estate commissions in Arizona?
Arizona real estate commissions average 5.26-5.44% total, split between listing agents (about 2.66-2.78%) and buyerâs agents (about 2.60-2.62%). On a $441,200 Arizona home, the buyerâs agent commission would be approximately $11,471-$11,559. However, agents offering rebates can share 50% or more of their commission with youâpotentially putting $5,700-$6,000 back in your pocket at closing, legally and with proper lender disclosure. This is significant savings in Arizonaâs market.
Do I have to pay my agent directly under the new NAR rules in Arizona?
Noâmost Arizona buyers still have their agentâs commission paid by the seller. However, under the 2024 NAR settlement, you must now sign a written buyer-broker agreement before viewing homes or making offers in Arizona. This agreement specifies your agentâs compensation, but you can negotiate for the seller to cover these fees as part of your offer. In Arizonaâs market, itâs still common for sellers to pay both agentsâ commissions to attract more buyers and facilitate sales.
What should I know about HVAC systems when buying a home in Arizona?
HVAC is the single most important system in an Arizona home due to extreme summer heat (110°F+ in Phoenix, 100°F+ in Tucson). Arizona HVAC systems typically last 10-15 years (shorter than the national 15-20 year average due to constant use). Replacement costs $8,000-$15,000. Always have HVAC thoroughly inspected before buyingâverify age, condition, cooling capacity, and recent maintenance. Request service records. A failing HVAC system is a major negotiating point in Arizona. Budget $150-$250 annually for preventive maintenance and $200-$500+ monthly in summer electric bills for cooling in Phoenix area homes.
Why Trust Us?
We bring together expert advice and tools to save you money. This makes buying a home in Arizona clearer and more affordable.
Better Real Estate Agents at a Better Rate in Arizona
Work with experienced Arizona buyerâs agents who offer commission rebates. Hereâs what you get:
- Full-Service Representation â Expert negotiation, market analysis, and transaction management across Phoenix, Scottsdale, Tucson, Mesa, and Chandler
- Cash Back at Closing â Receive up to 1.5% of the purchase price as a rebate
- Vetted Arizona Professionals â All agents are licensed in Arizona, experienced, and highly rated
- Arizona Expertise â Deep knowledge of state laws, HOAs, HVAC requirements, and local markets
- No Compromise on Service â Same level of expertise as traditional Arizona agents
Rebate Example for Arizona
| Purchase Price | Typical Buyer Agent Commission (2.6%) | Your Rebate (1.3%) | Your Savings |
|---|---|---|---|
| $441,200 (AZ median) | $11,471 | $5,736 | $5,736 cash back |
| $462,000 (Phoenix median) | $12,012 | $6,006 | $6,006 cash back |
| $861,520 (Scottsdale median) | $22,400 | $11,200 | $11,200 cash back |
Note: In Arizona, commission rebates are fully legal and must be disclosed to your lender early in the transaction. Arizona is not one of the 10 states that prohibit buyer rebates. Rebates must be documented on your settlement statement. Some lenders may have restrictions on rebate amounts relative to loan-to-value calculations, though most Arizona lenders are familiar with and accept rebates. Rebates are not taxable by the IRS but reduce your cost basis for future capital gains calculations when you sell. Rebate amounts may vary based on the final agreed commission. Consult with an Arizona real estate agent for details specific to your transaction.
