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Wage Garnishment Limits in Arizona

Arizona limits wage garnishment for consumer debt to 10% of disposable earnings or the amount above 60 times the highest applicable minimum wage, whichever is less.

Last checked . General information, not legal advice.

Arizona at a glance

Garnishment limit for consumer debt
Lesser of 10% or amount above 60x minimum wage
The minimum wage used is the highest of the federal, state or local rate.
Garnishment allowed for consumer debt
Yes
Stricter than federal limit
Yes
Head of household exemption
No

Sources

Last checked

The rules in Arizona

How much of your wages can be garnished for consumer debt in Arizona?

Garnishment limit for consumer debt in Arizona: Lesser of 10% or amount above 60x minimum wage. The minimum wage used is the highest of the federal, state or local rate.

Can wages be garnished for ordinary consumer debt in Arizona?

Yes. Garnishment allowed for consumer debt in Arizona: yes.

Does Arizona protect more wages from garnishment than federal law?

Yes. Stricter than federal limit in Arizona: yes.

Does Arizona give extra garnishment protection to a head of household?

No. Head of household exemption in Arizona: no.

Where do the Arizona wage garnishment limits come from?

The rules above come from Ariz. Rev. Stat. 33-1131. Each source is linked on this page. We last checked them in October 2026.

What this means in practice

Disposable earnings are what remains after deductions the law requires, such as income tax, Social Security and required withholding. Voluntary deductions like health insurance or retirement contributions are usually not subtracted, so the protected amount is often less than take home pay suggests.

The limits in this guide apply to ordinary consumer debt. Child support, alimony, federal and state taxes, and federal student loans follow separate rules that often allow a larger share of pay to be taken, even in states with strict limits for other debts.

Exemptions are often not applied automatically. A worker may need to file a claim of exemption with the court within a short deadline after receiving notice of the garnishment. Reading the notice promptly, and talking with the creditor about a payment plan or settlement, can keep more of each paycheck.

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