Arizona's luxury real estate market — properties above $1,000,000 — spans from Scottsdale's gated enclaves and Paradise Valley's protected estates to the East Valley's premium communities. Ryan Moxley represents buyers and sellers across Arizona's full luxury spectrum, from entry luxury at $1M–$2M through ultra-luxury estates at $10M–$20M in Paradise Valley.
Who Ryan works with: Luxury buyers from California, Illinois, and out-of-state consistently choose Ryan for his East Valley expertise, Scottsdale community knowledge, off-market access, and full remote buyer representation capability — from Silverleaf to Las Sendas.
Four distinct price tiers — each with its own communities, features, and buyer profile.
Las Sendas, Seville Golf & Country Club, Grayhawk entry, McCormick Ranch upper tier, Troon area, Scottsdale Ranch luxury. Strong value per square foot — typically newer construction, community amenities, golf access, and mountain or golf views at entry luxury pricing.
DC Ranch Country Club estates, Grayhawk upper, Troon Estates, North Scottsdale custom homes, Arcadia Scottsdale. The broadest and most active segment of the Scottsdale luxury market — where California equity buyers, executives, and move-up buyers transact most frequently.
Silverleaf at DC Ranch, Troon North estate lots, Camelback area estates, Paradise Valley mid-tier. Custom architecture, larger lot sizes, privacy, and the Scottsdale/Paradise Valley prestige address. Meaningful off-market inventory at this tier.
Silverleaf guard-gated estate compounds, Paradise Valley compound lots, Clearwater Hills, Cheney Estates PV. Arizona's most exclusive residential real estate — large acreage, bespoke architecture, ultimate privacy. Transactions are largely off-market and relationship-driven.
Deep knowledge of Arizona's top luxury communities — from guard-gated Silverleaf to the citrus character of Arcadia.
Arizona's most protected address — no commercial zoning by charter, 1-acre minimum lots, approximately 0.5% property tax rate, and the Camelback Mountain backdrop. Clearwater Hills, Cheney Estates, and Paradise Valley proper.
The most prestigious address within Scottsdale — guard-gated, The Club at Silverleaf with Tom Weiskopf golf, Mediterranean and Spanish Colonial architecture, and the most private custom estate lots in North Scottsdale.
Camelback Mountain views, original citrus groves, walkable Postino/Ingo's restaurant row, and Frank Lloyd Wright heritage. No HOA — AZ's most coveted non-gated luxury neighborhood, bordering both Scottsdale and Phoenix.
Troon North Golf Club — the #1 rated public golf course in Arizona — anchors this North Scottsdale luxury enclave. McDowell Mountain setting, custom estate lots, and a level of privacy and quiet that's rare inside Scottsdale's boundaries.
Mesa's most scenic luxury community, tucked into the McDowell Mountain foothills with Red Mountain views, championship golf, and Usery Mountain Regional Park adjacent. The best price-per-square-foot in the greater Scottsdale luxury corridor.
Scottsdale Road high-rise condos, Fashion Square adjacent residences, and Tempe Town Lake urban luxury for buyers seeking a full-service, lock-and-leave lifestyle without the maintenance of a single-family estate.
Three structural advantages that make Arizona's luxury market compelling for high-income buyers relocating from higher-tax states.
AZ effective rate: approximately 0.5–0.7%. CA: approximately 1.1%. TX: approximately 2.0%. IL: approximately 2.2%.
On a $3M home: AZ costs $15K–$21K per year in property tax. The same home in Texas costs approximately $60K per year. The savings compound at every price tier.
Arizona's 2.5% flat income tax rate is among the lowest in the US for high earners. Compare: California 9.3–13.3% at upper income levels. Illinois 4.95%. New York 10.9%.
For high-income earners, establishing Arizona residency represents meaningful ongoing tax savings — in addition to the property tax differential.
Year-round golf in world-class Scottsdale and Paradise Valley courses. Sedona and Verde Valley wine country 1.5–2 hours north. Grand Canyon 3.5 hours. Phoenix Sky Harbor and Scottsdale Airport (private aviation) provide exceptional connectivity for frequent travelers.
The representation that high-end transactions require — off-market access, privacy, and the ability to transact remotely from anywhere.
Practical information for buyers and sellers in Arizona's upper-tier market.
A frank breakdown of what Arizona's luxury price tiers actually deliver in 2026 — by location, square footage, lot size, and features.
At $1M–$1.5M in the Phoenix metro you can find: a 3,000–4,000 sq ft custom home on a half-acre or larger lot in North Scottsdale communities like Troon North entry, Grayhawk upper, or DC Ranch entry; a renovated mid-century estate in Arcadia; or a Paradise Valley attached villa or townhome. Pool, mountain views, and 3-car garage are standard at this range. Golf course adjacency is achievable. New construction in this tier typically requires moving to Scottsdale's far north or East Valley's premium areas like Las Sendas.
At $2M–$3M: a 4,000–6,500 sq ft custom or semi-custom home in DC Ranch Country Club, Troon Estates, or North Scottsdale estate areas; a renovated 1970s or 1980s Paradise Valley estate on 1+ acre; or a newer-construction luxury home with professional-grade chef's kitchen, resort pool with baja shelf and spa, smart home integration, 4-car garage, and Camelback or McDowell Mountain views. Golf club proximity, paid-for or included membership, and gated community are all accessible at $2M+ in Scottsdale.
At $3M–$5M: you enter Silverleaf at DC Ranch (guard-gated, The Club at Silverleaf Tom Weiskopf golf) and mid-tier Paradise Valley proper. Homes at this range: 5,000–8,000 sq ft, architecturally significant — Spanish Colonial, Mediterranean, or modern desert contemporary; 1+ acre lots in PV; resort-grade pool environment with outdoor kitchen and ramada; home theater, wine room, and 5-6 car garage common. Views become exceptional. Many properties in this range are bespoke custom builds from notable Phoenix architects.
At $5M–$20M+: Arizona's true estate market. Paradise Valley acreage estates with Camelback Mountain backdrop, Silverleaf guard-gated compound lots, and the most private properties in the state. Homes of 7,000–15,000 sq ft with full guest casitas, 6-8 car collectors' garages, putting greens, tennis courts, wine cellars, and bespoke architecture by names like Drewett Works, Candelaria Design, or Swaback Partners. Many in this tier are the primary or secondary residence of national business figures, professional athletes, and senior executives who have chosen Arizona as their preferred luxury market.
"The defining characteristic of Arizona luxury at every price point above $2M is exceptional price-per-square-foot relative to comparable markets. What $5M builds in Paradise Valley would require $18–$25M in comparable coastal California markets — and the tax bill would be $3–4x higher every year."
— Ryan Moxley, ADRE SA643872000 · My Home Group
A separate incorporated municipality unlike anywhere else in Arizona — and its unique protections make it the most coveted address in the Southwest.
Paradise Valley is not a neighborhood within Scottsdale or Phoenix — it is a separately incorporated municipality with its own mayor, town council, police department, and development code. What makes it unique is what its charter prohibits: all commercial use of land. There are no strip malls, no office buildings, no hotels within the town limits (existing resort hotels are grandfathered). This prohibition is essentially permanent — it would require a vote of the residents to change, and they have no incentive to do so. The result is a residential enclave protected at the municipal governance level, not just by a private HOA that can be dissolved or changed.
The Town of Paradise Valley covers approximately 15 square miles, entirely residential. Population is approximately 14,000. The median home price has historically exceeded $3M for the town as a whole, with significant properties transacting at $10M–$25M. The town's residential-only character means you can drive through PV and see nothing but homes, estates, and mountains — no commercial interruption of any kind.
Paradise Valley requires a minimum lot size of 1 acre for most residential development. This requirement, combined with the commercial prohibition, creates the most spacious luxury residential character in the Southwest. In comparable LA markets (Beverly Hills, Bel Air, Holmby Hills), 1-acre lots at the $5M price point are exceptionally rare — lots are much smaller, and neighbors are much closer. In PV, a $4M purchase typically includes an acre or more of land, room for a full resort-grade pool, outdoor living space, a detached guest casita, and genuine separation between properties.
Paradise Valley is positioned on both the north and south slopes of Camelback Mountain — Arizona's most iconic natural landmark. Many PV estates have Camelback as their literal backyard or primary view. The mountain is permanently protected open space that cannot be developed, ensuring the views are permanent. Sunrise on Camelback Mountain from a PV estate terrace is one of the quintessential Arizona luxury experiences.
The comparison Paradise Valley buyers from California most frequently make is Beverly Hills. Both are incorporated municipalities with high-end single-family residential character. But the differences are significant:
Paradise Valley has historically attracted professional athletes (Phoenix Suns, Arizona Cardinals, Arizona Diamondbacks players), entertainment industry figures, tech executives (particularly as the TSMC Fab 21 ecosystem grows in north Phoenix), and national business leaders. The community's discretion culture — no commercial paparazzi gathering spots, no hotel bars — keeps the neighborhood genuinely private. Real estate transactions at the top of the PV market are frequently not publicly disclosed, as Arizona is a non-disclosure state.
North Scottsdale's luxury real estate spans a 30-mile corridor from Gainey Ranch in the south to Desert Mountain at the northern boundary — each community with its own character, price range, and lifestyle.
Gainey Ranch (central Scottsdale, near Loop 101): Established gated community with Hyatt Gainey Ranch resort adjacency, private golf (Gainey Ranch Golf Club), and lakefront estate lots. Homes range $1.2M–$5M. Well-established community with mature landscaping. Excellent location — 5 minutes to Old Town, Fashion Square, and Scottsdale Quarter.
DC Ranch (Pima/Thompson Peak): The premier master-planned luxury community in North Scottsdale. Developed over the past 25 years with a full "downtown" (DC Ranch Marketplace), 50+ miles of community trails, the DC Ranch Country Club with championship golf, and access to Silverleaf at the top of the community. Price range: $600K at DC Ranch entry to $15M+ for Silverleaf estate lots. The community's planning and architecture standards have created consistent quality throughout.
Troon Village and Troon North (near Alma School/Happy Valley extension) center on two of the most acclaimed golf courses in Arizona: Troon North Golf Club — Monument and Pinnacle courses, consistently rated among the top 25 public courses in the US — and the private Troon Country Club. The McDowell Mountain setting gives Troon an authentically rugged desert backdrop. Homes range from $800K for established golf course townhomes to $8M+ for custom estate lots with private golf adjacency. Troon attracts serious golfers who want walkable access to world-class golf without leaving their community.
The Pinnacle Peak area (roughly between Happy Valley Road and Jomax, east of Pima) is North Scottsdale's "estate country" — large lots, often 2–5 acres, with custom homes built for buyers who want maximum separation and desert privacy. No single master-planned community, but a collection of smaller guard-gated enclaves and custom estate neighborhoods. Pinnacle Peak Road itself passes the famous Pinnacle Peak Patio restaurant and connects to Troon North Golf Club. Price range: $1.5M–$10M+ for established estate properties.
Desert Mountain (north of Carefree Highway, entering the Town of Carefree/Cave Creek adjacent area) is Arizona's most exclusive private golf community — and one of the top private golf communities in the United States. Six Jack Nicklaus Signature golf courses, all private and accessible only to members. The golf club membership is by invitation only and requires sponsorship by existing members. Initiation fees for full golf membership are in the range of $175,000–$200,000+, with annual dues of $25,000–$35,000+.
Desert Mountain real estate reflects this exclusivity: the community covers approximately 8,000 acres with approximately 2,700 home sites. Prices range from $1.8M for a smaller cottage-style home (in the lower Desert Mountain villages) to $10M+ for a custom estate on a prime golf course or ridgetop lot with Sonoran Desert panoramic views. All residents are required to be club members — membership is bundled with property purchase at most price points.
The Desert Mountain lifestyle is genuinely different from other luxury communities: because the entire development is private and gated at the top of the mountain, residents experience true seclusion — wildlife, silence, and desert sky views that are impossible closer to the city.
Every January, the world's premier collector car auction brings tens of thousands of ultra-high-net-worth buyers to Scottsdale — and many of them end up buying real estate too.
The Barrett-Jackson Collector Car Auction — held annually in January at WestWorld of Scottsdale — is the world's most prominent collector car event. Revenues from the annual Scottsdale auction routinely exceed $200 million across the week-long event. Approximately 300,000 attendees from around the world attend during auction week, including the highest concentration of UHNW (ultra-high-net-worth) individuals of any event in Arizona.
The event is not just about cars. It is a full cultural experience that introduces wealthy buyers from across the US and internationally to Scottsdale's luxury hotel scene, restaurant scene, golf courses, and real estate market. Many of the buyers who have relocated to Scottsdale or Paradise Valley trace their discovery of the market to a Barrett-Jackson visit — typically staying at the Phoenician, Four Seasons Scottsdale at Troon North, or the Sanctuary on Camelback Mountain, and finding that the combination of weather, luxury amenities, and real estate value is compelling enough to investigate permanently.
The link between the collector car community and the luxury real estate market is well-established. The same buyers who spend $500,000 on a 1967 Shelby GT500 at Barrett-Jackson are often looking for a property with a 4-6 car collectors' garage, or a separate car storage facility nearby. This profile — an enthusiast with liquidity and taste — is the prototypical Paradise Valley or DC Ranch buyer.
Ryan Moxley regularly receives inquiries from out-of-state buyers who attended Barrett-Jackson and are now evaluating Arizona real estate. The window from "first visit to Scottsdale during auction week" to "purchase in process" is often 3–9 months. Understanding the collector lifestyle — the garage requirements, the climate benefits for car storage (Scottsdale's dry heat is ideal for classic car preservation), and the proximity of Scottsdale Airport for the jet-in-jet-out lifestyle — is part of representing this buyer profile effectively.
Scottsdale Airport (KSDL) is one of the busiest general aviation airports in the United States, handling thousands of private jet operations annually. Its location — 5 minutes from North Scottsdale, 10 minutes from Paradise Valley — makes it the preferred arrival and departure point for UHNW buyers who travel privately. Many Desert Mountain, Silverleaf, and Paradise Valley residents cite the airport as a key reason for their address choice: wheels down to home in under 20 minutes, avoiding the commercial terminal experience entirely. This aviation access factor is something Ryan explicitly discusses with out-of-state luxury buyers during the community evaluation process.
How luxury real estate transactions differ from the standard residential process — and what Arizona-specific factors every buyer above $1M needs to understand.
At the $2M+ price point in Arizona, a significant portion of inventory never reaches public MLS exposure. Sellers in this segment frequently prefer discreet marketing — a "coming soon" or "pocket listing" approach circulated among agents with active luxury buyer relationships — over public MLS listing with open houses and internet exposure. The reasons vary: some sellers value privacy and do not want strangers touring their home; others want to test price before committing to a public listing; some have already identified a likely buyer through a network connection.
For buyers, this means working with an agent who has an active presence in the luxury agent network — not just MLS search capability. Ryan's connections within the North Scottsdale and East Valley luxury agent community give buyers access to off-market opportunities that are invisible to buyers working with generalist or out-of-area agents.
The 2026 conforming loan limit for Maricopa County is $806,500. Any mortgage above this amount enters jumbo loan territory, with meaningfully different underwriting standards:
Cash transactions are common at $2M+ in the Arizona luxury market. Cash offers carry real negotiating advantages: faster close (21–30 days vs. 45–60 days for financed offers), no appraisal contingency (eliminating a major risk point for sellers), no lender underwriting uncertainty, and a cleaner offer structure overall. Many luxury sellers — particularly those who bought before 2020 and have significant equity — strongly prefer cash buyers. For buyers with the liquidity, an all-cash purchase followed by a delayed cash-out refinance ("delayed financing") allows them to recapture liquidity post-close while getting the cash-offer advantage during negotiation.
Many luxury property buyers in Arizona are simultaneously selling an investment property elsewhere and using the 1031 exchange process to defer capital gains taxes. Under IRC §1031, a like-kind exchange allows an investor to sell one investment property and purchase another (or multiple others) without recognizing capital gains in the tax year of the transaction — as long as strict timeline rules are followed: 45 days to identify replacement properties, 180 days to close the exchange. A Qualified Intermediary (QI) must hold the exchange funds throughout.
Arizona luxury properties — particularly short-term rental (STR) eligible properties in Scottsdale — are popular 1031 replacement targets for California and Pacific Northwest investors selling appreciated investment properties. Ryan coordinates with buyers' CPAs and QIs throughout the exchange process and understands the timeline constraints that 1031 buyers operate under.
For buyers converting a property to a primary residence, the IRC §121 exclusion (up to $500K capital gains excluded for married filers, $250K for singles, after 2 of last 5 years as primary residence) is an important planning tool. Arizona luxury buyers who establish a PV or Scottsdale property as their primary domicile and hold 2+ years may be able to sell tax-free on the first $500K of gain. Ryan connects buyers with Arizona-based tax counsel who can advise on domicile establishment and exclusion planning.
Every California buyer moving to Arizona makes this comparison. Here it is, laid out plainly — what the same money buys in each market, and what the ongoing cost differential looks like.
Beverly Hills / Bel Air at $5M (2026): In the core Beverly Hills 90210 zip code or lower Bel Air, $5M in 2026 buys a house in the 2,500–3,500 sq ft range on a lot of 7,000–10,000 sq ft (roughly 0.2 acres). The home may date from the 1950s–1970s with updates, or could be a newer spec teardown rebuild. Traffic on Sunset Boulevard or Beverly Drive can add 30–45 minutes to normal commutes. Property taxes: approximately $55,000–$62,500/year at 1.1–1.25% effective rate. State income tax if earning $500K+: approximately $48,000–$65,000/year in California state income taxes.
Paradise Valley at $5M: A 6,000–8,500 sq ft custom estate on 1.2–2 acres, with Camelback Mountain views, resort-grade pool and spa with outdoor kitchen, 4-5 car collectors' garage, possible guest casita, and architecture by a notable Phoenix firm. 10 minutes from Old Town Scottsdale and the best golf in Arizona. Property taxes: approximately $22,500–$27,500/year at PV's effective rate of ~0.45–0.55%. State income tax at $500K income: approximately $12,500 (2.5% flat AZ) vs. $48,000–$65,000 (California). Total first-year ongoing cost advantage of PV over BH at this price point: $60,000–$100,000+ per year in property tax and state income tax savings alone.
Newport Beach at $3M: A 1,800–2,500 sq ft home, possibly a condo in a desirable development or a detached home with a small yard. Ocean view may cost a premium bringing you down to 1,800 sq ft or less. Newport Harbor views command even higher premiums. Property tax at 1.2%: approximately $36,000/year. HOA on a nice Newport Beach community: $500–$1,200/month. Total occupancy cost: significant.
DC Ranch Scottsdale at $3M: A 4,500–6,000 sq ft custom home on a 0.4–0.7 acre golf course or mountain view lot within a master-planned luxury community with 50+ miles of maintained trails, a community fitness center, and community events. Access to DC Ranch Country Club golf. 15 minutes to Scottsdale Quarter for high-end dining and shopping. HOA at DC Ranch: $200–$400/month. Property tax at 0.65%: approximately $19,500/year.
Malibu at $2M: Entry-level Malibu begins well above $2M for the desirable areas. At $2M you may find a condo, a smaller home back from PCH on a hillside, or a fixer property requiring significant additional investment. Beach access at $2M in Malibu is largely unavailable — public beach access points are shared. Malibu's fire risk has also dramatically increased insurance costs, with some homeowners unable to obtain coverage at any price.
Arcadia Scottsdale at $2M: A 3,000–4,500 sq ft renovated or new construction home on a 1/3–1/2 acre citrus lot in one of Arizona's most desirable walkable neighborhoods. Walking distance to Postino, La Grande Orange, and the Arcadia restaurant corridor. Camelback Mountain views. No HOA. 5 minutes to Old Town Scottsdale, 8 minutes to Sky Harbor Airport. Property tax at 0.65%: approximately $13,000/year. No wildfire risk zone. Insurance is standard.
Beyond the purchase price comparison, the ongoing cost differential between Arizona and California luxury ownership is striking. On a $3M property, the annual difference in property taxes alone (CA vs. AZ) is approximately $17,000–$22,000. Add state income tax differential for a $500K/year earner: approximately $35,000–$53,000. Total ongoing advantage: $52,000–$75,000+ per year. Over a 10-year holding period, this differential — not invested, not compounded — represents $520,000–$750,000 in after-tax retention that stays with the Arizona resident rather than going to state and local government.
This calculus is not lost on California executives, tech founders, and real estate investors who have done the math. The sustained migration of high-net-worth residents from California to Arizona is not nostalgia for the desert — it is a deliberate financial decision that compounds significantly over time.
Arizona's luxury market attracts international buyers from Canada, Taiwan, Mexico, and beyond. Here's what non-US buyers need to know about purchasing Arizona real estate.
Scottsdale has one of the largest Canadian snowbird communities in the United States. Tens of thousands of Canadian homeowners maintain Scottsdale properties — particularly in the Scottsdale Ranch, McCormick Ranch, and North Scottsdale communities — and spend November through April in the Valley before returning to Canada for the summer. For Canadians, Scottsdale real estate represents an attractive combination of winter climate, familiarity (English-speaking, American retail and healthcare infrastructure), and investment quality.
Canadian buyers face several considerations unique to their situation:
TSMC's Fab 21 in north Phoenix's Deer Valley corridor represents a $65 billion investment and is expected to bring 10,000+ direct jobs to the Phoenix metro, with 50,000+ indirect jobs. A significant number of these employees are Taiwanese nationals — engineers, managers, and executives — who are relocating to the Phoenix metro with housing budgets that support luxury purchases.
The TSMC employee profile typically includes: engineers and managers earning $120,000–$400,000+ in base salary, often with equity compensation from a globally significant company; prior experience living in luxury markets in Taiwan (Taipei's Da'an District), Singapore, or previous US locations; families who value high-quality schools and quiet residential environments. North Scottsdale and the Chandler/Gilbert corridor (near Intel's Fab 52/62, another major semiconductor investment) are the primary location targets for this buyer profile.
Ryan is familiar with the needs of international professional buyers and can facilitate the purchase process for non-US-citizen buyers who may not have US credit history, need to use foreign income documentation, or have questions about US residency and immigration implications of US property ownership.
Non-US-citizen buyers without a Social Security number or established US credit history can access "foreign national" loan programs through specialized lenders. These programs typically require: 30–40% down payment; documentation of income in the buyer's home country (typically 2 years of tax returns or bank statements translated and certified); a US ITIN (Individual Taxpayer Identification Number) instead of SSN; and 12+ months of cash reserves in a US bank account. Interest rates on foreign national loans are typically 0.5–1.5% higher than comparable conforming products. All-cash purchases eliminate this complexity entirely and are common among international buyers with liquidity.
A side-by-side comparison of key metrics across Arizona's top luxury submarkets. Note: Arizona is a non-disclosure state; data reflects MLS-reported sales and market analysis; individual properties vary significantly.
| Community | Median Luxury Price | Approx. Price/Sq Ft | Avg. Lot Size | HOA / Club Notes | Character |
|---|---|---|---|---|---|
| Paradise Valley | $3.2M–$4.5M | $600–$950/sq ft | 1.0–2.5 acres | No master HOA; private CC&Rs vary by subdivision; no commercial ever | Incorporated town; zero commercial; 1-acre min lots; most protected AZ address |
| Silverleaf / DC Ranch | $3.5M–$8M | $700–$1,200/sq ft | 0.5–1.5 acres | Guard-gated; The Club at Silverleaf membership required for golf; HOA $400–$800/mo | Most prestigious gated address in Scottsdale; Spanish Colonial/Mediterranean architecture |
| DC Ranch (non-Silverleaf) | $1.6M–$3.5M | $420–$650/sq ft | 0.25–0.6 acres | DC Ranch Country Club membership optional; community HOA $200–$400/mo | Best-planned master community in AZ; trails, parks, "Market Street" shopping village |
| Desert Mountain | $2.5M–$10M+ | $450–$850/sq ft | 0.5–5+ acres | Membership required ($175K+ initiation + $25K–$35K/yr dues); 6 Nicklaus courses | Most exclusive golf community in AZ; mountain privacy; top-of-Scottsdale seclusion |
| Pinnacle Peak Area | $2.0M–$7M | $380–$650/sq ft | 1.0–5+ acres | Varies by enclave; many smaller gated communities with modest HOAs $150–$350/mo | Estate privacy; large lots; North Scottsdale's "country" feel; custom architecture |
| Old Town Scottsdale | $1.2M–$3.5M | $500–$900/sq ft | 5,000–15,000 sq ft | No HOA typical for detached; condo HOAs $400–$1,200/mo; walkable lifestyle | Lock-and-leave; walkable restaurant/arts scene; Scottsdale Arts District; urban luxury |
A direct comparison at three price tiers: what the same money purchases in Arizona's top luxury communities versus comparable California coastal markets.
| Price Tier | Arizona (Scottsdale / PV) | Malibu / Pacific Palisades | Beverly Hills / Bel Air | Newport Beach | Annual Tax Advantage (AZ) |
|---|---|---|---|---|---|
| $2M | 3,800–5,500 sq ft custom home; 0.5-acre lot; resort pool; 3-car garage; mountain views; DC Ranch or Arcadia | Small condo or inland hillside home; no beach; fire risk; limited availability | 1,600–2,200 sq ft dated home; 6,000–8,000 sq ft lot; requires renovation | 900–1,400 sq ft beach-adjacent condo OR 1,800–2,200 sq ft home back from water | $20,000–$32,000/yr property tax savings vs. CA |
| $3M | 4,500–7,000 sq ft; 0.6–1.2 acre lot; chef's kitchen; resort outdoor space; 4-car garage; Silverleaf entry or mid PV | Entry Malibu; small home on PCH or hillside; fire/flood risk; insurance crisis | 2,200–3,000 sq ft; dated spec or modest estate; below Sunset; no significant lot | 2,500–3,500 sq ft; possible harbor view or small bay front; HOA required | $30,000–$48,000/yr property tax savings vs. CA |
| $5M | 6,500–10,000 sq ft estate; 1–3 acre lot; guest casita; 5-6 car collectors garage; PV proper or Silverleaf; Camelback views | 1,800–2,800 sq ft beachfront or bluff-top; PCH noise; fire/mudslide risk; insurance unavailable in some areas | 3,000–4,200 sq ft; dated estate needing renovation or newer but tight lot; Beverly Hills flats | 3,500–5,000 sq ft; Balboa Island or bayfront; limited lot; HOA and dock fees | $50,000–$80,000/yr property tax savings vs. CA |
Note: Annual tax advantage figures reflect property tax differential only (CA ~1.1–1.25% vs. AZ ~0.45–0.65% effective rates) and do not include state income tax differential, which adds $25,000–$65,000+ per year for high earners. Data is illustrative; specific property comparisons vary. Consult a licensed real estate professional for current market data.
Detailed answers to questions Ryan hears regularly from out-of-state and international luxury buyers evaluating Arizona.
Whether you're buying, selling, or evaluating options — Ryan can help you understand what's available, what's off-market, and what a property is worth.
All inquiries are confidential. Ryan typically responds within one business day.
Top 1% production. Off-market access. Remote buyer capability. From entry luxury to Paradise Valley estates — Ryan Moxley is the specialist Arizona luxury buyers choose.