The state of Arizona outlined with the state flag overlaid on top of it


VA Loans in Arizona

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In Arizona, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Phoenix, Tucson, Mesa, Chandler, and Scottsdale.

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making home ownership a reality for more military families and veterans in Arizona now than ever before.

Median Sale Price of Homes in Arizona*











Arizona Statewide Average


*Data pulled from Redfin (April 2022)


Property Taxes in Arizona

In the state of Arizona, property taxes are well below the national average of 1.07% and are currently set at 0.65%, according to SmartAsset. While all property tax statements are due annually on October 1, residents are allowed to choose to pay in two installments instead with the first installment due October 1 and the second due March 1 so long as their taxes are more than $100. There are a few exemptions including for senior citizens, widows, and disabled people.

VA Disability in Arizona

Common property tax exemptions are reserved for veterans, disabled veterans, seniors over the age of 65, and more. Since these exemptions can vary by county and state and often have strict qualification standards, not every veteran or homeowner qualifies, but those that do are able to reap the benefits of significant savings.

Disabled veterans in Arizona can potentially get a property tax exemption on their primary residence of $3,000 if the assessed value is not more than $10,000. Since these rates can vary based on location (i.e., exemptions in Phoenix may be different from those in Tucson or Mesa), you’ll want to contact your local municipal tax assessor’s office.

Insurance Programs in Arizona

Natural disasters can happen anytime and are often unexpected or occur suddenly which makes it critical that you and your family are sufficiently covered. The most common natural disasters in Arizona that homeowners are insured against include floods, severe storms, and wildfires.

Since the state of Arizona is located in the southwestern United States, other common natural disasters include extreme heat, dust storms, and monsoons, meaning coverage varies throughout the state. Since the weather and climate conditions vary from Phoenix to Mesa, you’ll want to consult with a licensed insurance company to ensure you’re getting the best coverage for where you live.

Military Presence in Arizona

Arizona is home to seven military bases with the majority of them located near the southern border with Mexico. Since Arizona does not have a coastline, there are no Navy or Coast Guard bases but instead there are Air Force, Army, and Marine bases.

VA Home Loan Volume in 2021 in Arizona*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in Arizona

How do I buy a house in Arizona? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in Arizona? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in Arizona? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates