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Arizona taxpayers can get a state tax deduction for contributing up to $2,000 (single) or $4,000 (joint) a year, and it applies to any state's 529 plan. Here are the facts on Arizona's direct-sold 529 plan (the one you open yourself, without an advisor).
ARS § 43-1022(21) provides a subtraction from Arizona gross income equal to the amount contributed during the taxable year to college savings plans established pursuant to section 529 of the Internal Revenue Code to the extent that the contributions were not deducted in computing federal AGI. The amount subtracted shall not exceed: (a) $2,000 for a single individual or head of household, or (b) $4,000 for married couples filing a joint return. In the case of a husband and wife who file separate returns,hetsubtraction may be taken by either taxpayer or may be divided between them, but the total subtraction allowed both husband and wife shall not exceed $4,000. The deduction applies to both -state in and out -of-state plans. Starting in the 2021 tax year the maximum subtraction allowed for a contribution to a 529 college savings plan has been increased to $2,000 per beneficiary for a singl
Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.
2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.
Yes: a deduction for up to $2,000 (single) / $4,000 (joint) of contributions in 2026 It applies to any state's plan.
No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.