Taxes & Insurance in Show Low
Show Low carries the highest combined sales tax among this build's three Arizona Tier-B markets, a low property tax rate, and a real, current wildfire-driven insurance-pressure risk specific to its Rim Country location -- distinct from the extreme-heat cost factors covered for Kingman and Bullhead City.
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Learn moreA low effective property tax rate
Ownwell cites Show Low's effective property tax rate at 0.54%, above the Navajo County median of 0.51% but well below the national median of 1.02%. Rates vary within the county from 0.46% (Winslow) to 0.94% (Woodruff) -- Show Low sits toward the lower-middle of that county range (Ownwell, via WebSearch synthesis, retrieved 2026-08-24).
Arizona's real flat 2.5% state income tax
Arizona has taxed individual income at a single flat 2.5% rate since tax year 2023, confirmed continuing for 2026 (Arizona Dept. of Revenue; see arizona.js for full sourcing). This applies identically in Show Low as anywhere else in Arizona.
The highest combined sales tax among this build's three markets
Show Low's combined sales tax rate is 8.43% (5.6% Arizona state + 0.83% Navajo County + 2.0% city) -- higher than Kingman's 8.1% and Bullhead City's 7.6% in this same build, because Navajo County levies its own general sales tax. A separate, much higher 12.43% rate was cited for the Fort Apache Reservation tax region (ZIP 85901) -- disclosed as a real cited figure for that specific overlay area, not representative of Show Low's core city rate.
Homeowners insurance: real, current wildfire-driven pressure
Rather than a generic statewide insurance figure, Show Low carries a specific, documented risk: Arizona's Department of Insurance and Financial Institutions (DIFI) is reported to consider Navajo County -- Show Low's own county -- among the counties (with Gila and Greenlee) facing the sharpest wildfire-driven insurance premium increases and non-renewals statewide (KJZZ, Central Arizona Association of Realtors, via WebSearch synthesis, retrieved 2026-08-24). No Show-Low-specific non-renewal rate was independently verified this session; that gap is disclosed rather than estimated. Get a current, address-specific quote, and factor in wildfire-mitigation steps (defensible space, roofing material) that can affect both premiums and availability.
Key takeaways
- Show Low's effective property tax rate is a low 0.54%, above the Navajo County median (0.51%) but well below the national median.
- Arizona's flat 2.5% state income tax applies in Show Low as anywhere else in the state -- a real tax, not a 'no income tax' situation.
- Show Low's combined sales tax (8.43%) is the highest among this build's three Arizona Tier-B markets, driven by Navajo County's own sales-tax layer.
- Homeowners insurance carries a real, current wildfire-driven cost and availability risk -- Navajo County is named among Arizona's sharpest wildfire-insurance-pressure counties -- distinct from the extreme-heat cost factors covered for Kingman and Bullhead City.
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