Comparing Property Taxes and HOA Fees: Gilbert, Chandler, Mesa, and Queen Creek

When shopping for a home in the East Valley, it’s easy to focus on price—but don’t overlook the ongoing costs! Property taxes and HOA fees can make a big difference in your monthly budget, and they vary widely between Gilbert, Chandler, Mesa, and Queen Creek. Here’s a clear look at what to expect in each city.

How Property Taxes Work in Arizona

• Arizona’s property tax rates are generally lower than the national average, but each city (and even neighborhood) can have its own rate based on school districts and special assessments.

Typical Property Tax Rates (2025)

• Gilbert: About 0.68% of assessed value. For a $500,000 home, that’s roughly $3,400/year.
• Chandler: Around 0.70%. On a $500,000 home, expect about $3,500/year.
• Mesa: Approximately 0.75%, or $3,750/year for a $500,000 home.
• Queen Creek: About 0.80%, so $4,000/year for the same value.

HOA Fees: What’s Typical?

• Gilbert: $60–$120/month, often covering community pools, parks, and landscaping.
• Chandler: $50–$110/month, with amenities like gated entries, greenbelts, and sports courts.
• Mesa: $40–$100/month, depending on the age and size of the community.
• Queen Creek: $70–$140/month, especially in newer, master-planned neighborhoods.

What Do HOA Fees Include?

• Most cover common area maintenance, amenities (like pools and clubhouses), and sometimes trash/recycling services.
• Some neighborhoods offer extras like security patrols, fitness centers, or planned events.

Budgeting Tips

• Always ask for the current property tax and HOA fee amounts before making an offer—they can vary by subdivision.
• Factor these costs into your monthly payment to avoid surprises.
• Look at what’s included in the HOA; a higher fee may offer more value if it covers amenities you’ll use.

Property taxes and HOA fees are part of the real cost of homeownership. By comparing these numbers up front, you can find the city—and the community—that fits your lifestyle and your budget.