What Property Is Covered
Arizona law shields everyday household belongings from creditors, up to a fair market value cap. The statute covers household furniture, furnishings, household goods (including consumer electronic devices), and household appliances that are personally used by the debtor or a dependent.
Household furniture and furnishings, household goods, including consumer electronic devices, and household appliances personally used by the debtor or a dependent of the debtor and not otherwise specifically prescribed in this chapter are exempt from process provided their aggregate fair market value does not exceed $15,000.
A.R.S. § 33-1123(A)The key word is "aggregate." Arizona does not exempt each item up to $15,000. It exempts the total fair market value of all covered items combined. That means your couch, television, refrigerator, washer, dryer, and other household items are added together. If the combined value stays under $15,000, creditors cannot touch them. Most households fall well within this limit, since used furniture and appliances typically have modest resale value.
Annual Cost-of-Living Adjustments
Starting January 1, 2024, this exemption amount adjusts each year to keep pace with inflation. The adjustment is based on the consumer price index for all urban consumers, measured from August to August of the preceding year. The new amount is rounded up to the nearest $100.
The exemption provided by this section shall be adjusted annually beginning on January 1, 2024 and thereafter on January 1 of each successive year by the increase in the cost of living.
A.R.S. § 33-1123(B)This built-in adjustment means the exemption keeps up with rising prices over time. For Arizona families dealing with debt collection, this provision offers meaningful protection for the everyday items that make a household function. Combined with the homestead exemption for real property, these protections form an important baseline of asset security under Arizona law.