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Homestead Exemption Laws in Arizona

Arizona protects up to $400,000 of home equity, a figure adjusted each January 1 for inflation since 2024, in one compact body of land with a dwelling, condominium, cooperative or other residence, with no acreage cap.

Last checked . General information, not legal advice.

Arizona at a glance

Exemption amount
$400,000 base, adjusted yearly
Statutory base. Adjusted every January 1 since 2024 by the CPI, rounded up to the nearest $100; the statute does not print the current adjusted figure.
Unlimited in value
No
Acreage limit
No acreage limit
The land must be one compact body on which the dwelling house sits; the statute sets no acreage cap.

Sources

Last checked

The rules in Arizona

How much home equity does the homestead exemption protect in Arizona?

Exemption amount in Arizona: $400,000 base, adjusted yearly. Statutory base. Adjusted every January 1 since 2024 by the CPI, rounded up to the nearest $100; the statute does not print the current adjusted figure.

Is the homestead exemption unlimited in value in Arizona?

No. Unlimited in value in Arizona: no.

Is there an acreage limit on the homestead exemption in Arizona?

Acreage limit in Arizona: No acreage limit. The land must be one compact body on which the dwelling house sits; the statute sets no acreage cap.

Where do the Arizona homestead exemption laws come from?

The rules above come from Ariz. Rev. Stat. 33-1101. Each source is linked on this page. We last checked them in October 2026.

Good to know

Only one homestead exemption may be held by a married couple or a single person.

The exemption follows identifiable cash proceeds from a sale for 18 months or until a new homestead is bought, whichever is shorter, but not cash from refinancing.

In a bankruptcy case the amount is fixed as of the petition date.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.