property

Arizona Homestead Exemption

Under A.R.S. 33-1101, Arizona protects a homeowner's equity from most judgment creditors up to $400,000 since Proposition 209 (2022), adjusted annually for inflation beginning January 1, 2024. It covers a house and land, one condo or co-op unit, or a manufactured home and land, and the owner must live there. It is automatic, one per person or married couple, and sale proceeds stay exempt for 18 months. It does not protect against mortgages, property tax liens, or mechanics' liens for work on the home.

Exam tip: Know $400,000 base, indexed since 2024, automatic, one per household. Consensual liens like a deed of trust are not defeated by the homestead.
Example: A judgment creditor of a Tucson homeowner cannot reach the first $400,000 (as indexed) of her home equity, but her lender can still foreclose its deed of trust.

1. Under A.R.S. §33-1101 as amended by Proposition 209, the Arizona homestead exemption is:

Answer & explanation

Answer: D. Proposition 209 (2022) raised the exemption to $400,000 and directed annual CPI adjustments beginning January 1, 2024, rounded up to the nearest $100. $150,000 was the prior figure.

Related terms & state variants

homestead judgment lien mechanics lien

Sources

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Last verified: 2026-10-23