AZ · deed-of-trust state · 7 rules quoted · reviewed October 5, 2026
Arizona sets the longest fixed wait in the Southwest: a trustee's sale cannot be held until the 91st day after the notice of sale is recorded, and a home on two and a half acres or less carries no deficiency.
No sooner than the 91st day after the notice of sale is recorded
“no sooner than the ninety-first day after the date that the notice of sale was recorded”A.R.S. § 33-808(C)(1)
Once a week for 4 consecutive weeks, the last at least 10 days before the sale
“published at least once a week for four consecutive weeks”A.R.S. § 33-808(A)(4)
“The last date of publication shall not be less than ten days prior to the date of sale.”A.R.S. § 33-808(A)(4)
9:00 a.m. to 5:00 p.m., never a Saturday or legal holiday
“The sale shall be held at the time and place designated in the notice of sale on a day other than a Saturday or legal holiday between 9:00 a.m. and 5:00 p.m. mountain standard time”A.R.S. § 33-808(B)
$10,000 deposit from every bidder but the lender; the balance due by 5:00 p.m. the next business day
“The trustee shall require every bidder except the beneficiary to provide a ten thousand dollar deposit in any form that is satisfactory to the trustee as a condition of entering a bid.”A.R.S. § 33-810(A)
“shall pay the price bid by no later than 5:00 p.m. mountain standard time of the following day, other than a Saturday or legal holiday”A.R.S. § 33-811(A)
Until 5:00 p.m. on the last business day before the sale
“before 5:00 p.m. mountain standard time on the last day other than a Saturday or legal holiday before the date of sale”A.R.S. § 33-813(A)
Announced at the sale; each new date within 90 days, given to anyone who asks
“by giving notice of the new date, time and place by public declaration at the time and place last appointed for the sale”A.R.S. § 33-810(B)
“Any new sale date shall be a fixed date within ninety calendar days of the date of the declaration.”A.R.S. § 33-810(B)
“After a sale has been postponed or continued, the trustee, on request, shall make available the date and time of the next scheduled sale”A.R.S. § 33-810(B)
None after the sale of a home on 2.5 acres or less
“no action may be maintained to recover any difference between the amount obtained by sale and the amount of the indebtedness”A.R.S. § 33-814(G)
Quoted from the Arizona code and re-checked by script. Statutes carry exceptions a table cannot — read the section before relying on it.
Holding a notice? The trustee sale deadline calculator turns these rules into calendar dates from the sale date it gives.
Data as of · sale counts recomputed nightly
Arizona law requires 91 days, and the notices we hold run a median of 77 days from first publication to the sale. That is shorter than the statutory minimum because the minimum runs from an earlier step — the recorded notice or the mailing to the borrower — while this counts from the day the notice first appeared in a newspaper.
See what is scheduled now in Arizona trustee sales, or the national figures in trustee sale statistics.
No sooner than the 91st day after the notice of sale is recorded, under A.R.S. § 33-808(C)(1). In practice, a notice we hold in Arizona first appears in a newspaper a median of 77 days before the sale it announces, across 1,374 sales.
Arizona allows reinstatement: until 5:00 p.m. on the last business day before the sale, under A.R.S. § 33-813(A). The amount due is the arrears and the costs allowed, not the entire loan.
None after the sale of a home on 2.5 acres or less, under A.R.S. § 33-814(G).
TrusteeSaleData. "Arizona foreclosure laws." Reviewed October 5, 2026. https://www.trusteesaledata.com/trustee-sale-laws/arizona
Cite the statute itself where you can — every rule above names its section and links to the state’s own page. Corrections to a rule, with the section that contradicts it, are welcome at support@trusteesaledata.com. Nothing here is legal advice: TrusteeSaleData is not a law firm, a trustee, or a government agency.
Other states: trustee sale laws by state.