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Navajo Mountain CDP, AZ

ZIP 86044 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86044

Median Home Value
$63,000
Median Rent
$387
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$405/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 86044 in Navajo Mountain CDP, AZ, a household would need roughly $17,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $405. That sits below the local median household income ($28,190), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.6%+13% vs US avg
x
Vacancy Rate
21.9%+113% vs US avg
x
Broadband Access
50.7%-42% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
4.0%-92% vs US avg
x
Mortgage-Free
95.9%+151% vs US avg
x
$63,000
Home Value
$387
Rent
1987
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.7%
  • 1-unit attached0.2%
  • 2-9 units2.2%
  • 10+ units0.2%
  • Mobile home & other16.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$63,000
Median rent$387
Owner-occupied73.6%
Vacant21.9%
Price-to-income2.2x
Est. income to buy$17,000