Buying without dealership pressure · The Model Black education

The out-the-door price, before you visit.

The fastest way to see a car's taxes and fees before visiting is to price them for the actual deal: in Arizona the sales tax follows the selling dealership's city, and title and registration follow where you live.

Price any car for your ZIP code

By The Model Black · Published September 19, 2026 · Updated October 6, 2026 · Part of How to buy a new car without dealership pressure or haggling

The Model Black does this on every car: enter your ZIP and each listing shows the sales tax at your combined rate, title and registration for your state, the selling dealer's published doc fee, and shipping if the car comes to you. Here is what goes into that number and why most "out-the-door" estimates miss.

What is included in an out-the-door price?

Why do most online car payment estimates miss?

Most payment calculators use one state-level tax rate and a placeholder for fees. The combined rate in Chandler, AZ is 7.8%; in Phoenix it is 9.1%; in Los Angeles it is 10.25%. On a $50,000 car that spread is $650 to $1,225 of tax alone, and it changes the monthly payment.

In Arizona the rate follows the dealership, not your address, so two stores in different cities quote different tax on the same car. Out-of-state buyers get it wrong in the other direction. A car shipped out of Arizona by the dealer is not taxed in Arizona at all (A.R.S. 42-5061); you pay your home state when you register. A car picked up in Arizona is taxed at the dealer's city rate first, and your home state credits that tax against its own when you register. The Model Black shows both totals side by side so you can pick.

How do I see the out-the-door price on a specific car?

Quick answers.

Is sales tax based on where I live or where the dealer is?

In Arizona, where the dealer is: the selling dealership's city rate applies whether you pick up or the dealer delivers inside Arizona. Nevada and California tax at the rate where you register. An out-of-state buyer who picks up in Arizona pays the dealer's rate first and is credited that Arizona tax at home; shipping the car out of state removes Arizona tax entirely.

What is a fair doc fee?

It depends on the state. California caps it at a set amount; Arizona and Nevada do not cap it, and stores publish their own. The Model Black shows the selling dealer's published fee so it is in the number before you decide.

Can I get the out-the-door price in writing before I visit?

Yes. The numbers you build on The Model Black go to the dealership with your deal, and the dealership writes the deal from its published price. You can compare that sheet against any other store's written quote.

How do I spot hidden fees on a car deal?

Ask for the out-the-door price itemized, line by line, before you visit. Every line should be the selling price, a tax, a government fee, the dealership's own documentary fee, or a product you asked for. Anything else, such as a package on an addendum sticker, is a dealer add-on to question before you agree to it.

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