Military retirement and state taxes
Arizona doesn't tax military retirement pay.
Luke Air Force Base · Davis-Monthan Air Force Base
VA loans in Arizona
Can you use a VA loan in Arizona?
Yes. You can use a VA loan anywhere in Arizona, from Phoenix to Tucson. Arizona doesn't tax military retirement pay. We lend in Arizona and help military families buy near every major base in the state.
Good to know
What's different about buying in Arizona
Property tax help for disabled Veterans
Arizona offers a modest property tax exemption for disabled Veterans, with income and home-value limits. Apply through your local tax office after you move in.
Community property rules apply
Arizona is a community property state. Under VA rules, a spouse's debts can count when you qualify, even if your spouse isn't on the loan. We'll look at the whole picture up front so nothing surprises you in underwriting.
Tax rules shown are general and current as of October 2026. Confirm the details with your county or the state before you rely on them.
PCSing to Arizona?
Bases I help families buy near
Wherever your orders say, we lend there. Here's where families usually look.
- Luke Air Force BaseGlendale, Surprise, Goodyear, Litchfield Park
Buying near Luke Air Force Base → - Davis-Monthan Air Force BaseTucson, Vail
Buying near Davis-Monthan Air Force Base → - Fort HuachucaSierra Vista, Huachuca City
Buying near Fort Huachuca → - Marine Corps Air Station YumaYuma
Buying near Marine Corps Air Station Yuma →
Arizona questions
Straight answers
Does Arizona tax military retirement pay?
Arizona doesn't tax military retirement pay. VA disability compensation isn't taxed.
What property tax breaks do disabled Veterans get in Arizona?
Arizona offers a modest property tax exemption for disabled Veterans, with income and home-value limits. Rules and amounts can change, so confirm with your local tax office.
Can I use a VA loan anywhere in Arizona?
Yes. VA loans work in cities, suburbs and rural areas across Arizona, as long as the home will be your main residence and meets VA property standards. We lend statewide, so we can help wherever you're buying.
Get started
Buying in Arizona? Let's talk.
One person on our team will confirm you qualify, show you what you can afford and walk you through every step. No cost, no pressure.