Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$393,934+0.4% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$85,397About 1.6× the local median income ($54,293): hard to afford
Days on market95 daysSlower than a year ago: buyers have time to negotiate
The typical home in Navajo County, AZ is worth $393,934, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $322,925, so the area is 22.0% overvalued. It is a buyer's market: homes take about 95 days to sell, listings are up 15% from a year ago, 21% of listings have had a price cut. A household needs about $85,397 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,293. Typical rent is $1,745 a month. In the latest IRS figures, 755 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$393,934
Change in 1 year
+0.4%
Overvalued %
+22.0%
Show 6 more
Fair home value
$322,925
Change in 5 years
+14.4%
Home value to income
7.3×
Monthly mortgage payment (20% down)
$2,135
Income needed to afford it
$85,397
Property tax rate
0.59%
Rent and investing
Typical rent
$1,745
Price-to-rent ratio
18.8×
HUD Fair Market Rent, 2 bedrooms
$1,264
Show 2 more
Gross rental yield
5.32%
Cap rate (estimate)
3.46%
Market activity
Listings vs a year ago
+15.1%
Days on market
95
Listings with a price cut
20.8%
Show 3 more
Homes for sale
823
Pending sales per 100 listings
16
Asking price per sq ft
$287
People and jobs
Median household income
$54,293
Population change (1 year)
+0.3%
Unemployment rate
8.8%
Show 4 more
Population
109,946
Income adjusted for cost of living
$66,454
Net moves in (IRS)
+755
Cost of living (US = 100)
81.7
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
88.1
Unhealthy air days a year
0
Show 4 more
Flood risk score
89.5
Wildfire risk score
98.8
Walkability (1 to 20)
5.4
Road, rail and air noise
54 dB
Questions people ask
Is Navajo County, AZ overvalued?
Home prices in Navajo County, AZ are well above what local incomes have historically supported: fair value is about $322,925, so the area is 22.0% overvalued.
Is Navajo County, AZ a buyer's or seller's market?
Navajo County, AZ is a buyer's market: homes take about 95 days to sell, listings are up 15% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Navajo County, AZ?
Home values in Navajo County, AZ are up 0.4% over the last year.
How much do you need to earn to buy a home in Navajo County, AZ?
A household needs about $85,397 a year to afford the typical home in Navajo County, AZ at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,293.