Homestead Exemption in Arizona
State-specific overview · Property & Real Estate
Arizona exempts up to $150,000 of primary residence equity for individuals and $300,000 for married couples or families.
How Arizona treats Homestead Exemption
Arizona's homestead exemption protects a primary residence from creditor claims up to $150,000 per person or $300,000 for married couples filing jointly. The exemption applies in bankruptcy and general creditor actions but does not protect against mortgage lenders, property tax liens, or mechanics' liens. Homeowners must declare the homestead exemption in writing to the county recorder to secure the full benefit.
The general definition of Homestead Exemption
A legal protection that shields a primary residence from creditors' claims up to a certain value.
A homestead exemption is a law that protects your home from being seized to pay debts. When you claim a homestead exemption, a portion of your home's value becomes off-limits to creditors, even if you file for bankruptcy or lose a lawsuit. The amount protected varies by state, and you typically must file a declaration to activate the protection.
Read the full Homestead Exemption entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in Arizona.