By Ziv Shay | Updated April 2026
Average tuition, fees, room & board for Arizona colleges in 2026-2027. Compare costs and plan your 529 savings.
Residents of Arizona can deduct 529 plan contributions from their state taxable income. Up to $2,000 per taxpayer ($4,000 MFJ). This can save you hundreds or even thousands of dollars per year on your state tax bill while building your child's college fund.
To cover the full 4-year in-state cost at today's prices ($95,200), a Arizona family starting at birth would need to save approximately $441/month. Factoring in 5% annual cost inflation and 7% investment returns in a 529 plan, the recommended monthly savings increases to approximately $532.
| Starting Age | Monthly Savings Needed | Total Contributed | Est. 529 Growth |
|---|---|---|---|
| Age 0 (18 years) | $532/mo | $114,895 | +$114,215 |
| Age 5 (13 years) | $709/mo | $110,544 | +$68,970 |
| Age 10 (8 years) | $1,097/mo | $105,327 | +$35,327 |
| Age 13 (5 years) | $1,697/mo | $101,827 | +$19,675 |
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