Gold IRA in Arizona
What an Arizonan should know before moving a 401(k), TSP or IRA into physical gold and silver.
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A flat 2.5% state income tax
Arizona taxes taxable income at a flat 2.5% from tax year 2023 on. Withdrawals from a traditional gold IRA are generally part of that income.
Source: Arizona Department of Revenue
No sales tax on bullion
Arizona’s transaction privilege tax does not apply to sales of precious-metal bullion and monetized bullion.
Source: A.R.S. § 42-5061(A)(21)
Where to complain
Problems with an investment seller or adviser go to the Arizona Corporation Commission, Securities Division.
Source: Arizona Corporation Commission
Tax rules change. This is general information checked on 24 October 2026, not tax advice; confirm with a tax professional.
Three parties, one account
Custodian
A bank or IRS-approved trustee opens the self-directed IRA, keeps the records and sends your statements.
Dealer
Goldco helps you choose coins or bars and arranges the purchase inside the IRA.
Depository
An insured, audited vault holds the metal for your account. It doesn’t have to be in Arizona.
Gold IRA questions from Arizona
Will Arizona tax my rollover?
Not a direct transfer between custodians. Money paid to you and not redeposited within 60 days becomes taxable income for the IRS and for Arizona.
How much state tax will withdrawals cost?
Arizona’s rate is a flat 2.5% of taxable income. Your actual tax depends on your whole return, so ask a tax professional.
Do I pay sales tax on IRA gold?
Metal bought inside an IRA is a purchase by the IRA. Arizona exempts bullion sales from its transaction privilege tax in any case.