Navajo County, AZ Average Home Price (2026)
The average home price in Navajo County, Arizona is about $396,000 (the 2026 median across 12 ZIP codes, at ~$251/sq ft) — 3% more expensive than the Arizona median and 37% more expensive than the typical U.S. home.
How Navajo County compares
Navajo County is relatively expensive for housing nationally: its typical home costs $396,000 against $385,000 for Arizona and $289,000 for the U.S. Within the county, ZIP-level values run from about $198,000 to $542,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Navajo County | $396,000 | $251 |
| Arizona | $385,000 | $248 |
| United States | $289,000 | $193 |
Navajo County home prices by ZIP code
The 12 most valuable ZIP codes in Navajo County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 85935 Pinetop | $542,000 | $310 | +37% |
| 85934 Pinedale | $511,000 | $269 | +29% |
| 85928 Heber | $438,000 | $270 | +11% |
| 85901 Show Low | $428,000 | $313 | +8% |
| 85923 Clay Springs | $428,000 | $225 | +8% |
| 85929 Lakeside | $416,000 | $280 | +5% |
| 85939 Taylor | $376,000 | $232 | -5% |
| 85933 Overgaard | $372,000 | $301 | -6% |
| 85937 Snowflake | $340,000 | $224 | -14% |
| 86032 Joseph City | $215,000 | $113 | -46% |
| 86047 Winslow | $205,000 | $183 | -48% |
| 86025 Holbrook | $198,000 | $136 | -50% |
Home value appreciation in Navajo County
Home prices in Navajo County have risen about 137% over the last 10 years (≈9.0% a year) and +120.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.2% — still rising. A home worth $396,000 today was worth roughly $167,371 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Arizona is +118.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Navajo County
Run the numbers for Navajo County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Navajo County
To buy the typical $396,000 home in Navajo County with 20% down, you need a household income of roughly $108,000 a year (about $2,510 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $128,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,800 | $3,120/mo | $134,000/yr |
| 10% (+PMI) | $39,600 | $2,990/mo | $128,000/yr |
| 20% | $79,200 | $2,510/mo | $108,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Navajo County
At about $251 per square foot, here is roughly how much home different budgets get you in Navajo County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 800 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1000 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1200 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1590 sq ft | around the typical home here |
| $500k | 1990 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Arizona.
Estimate a specific home in Navajo County
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Navajo County home prices: frequently asked
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Browse all Arizona cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.