How much do homes with no HOA cost in Arizona High Country?

The median list price of homes with no HOA for sale in Arizona High Country is $434,950, or $276 per square foot. Over the last 12 months, homes in Arizona High Country sold for a median of $495,000.

How much do you need to make to afford homes with no HOA in Arizona High Country?

Roughly $115,000 a year at the median list price of $434,950. With 20% down and a 30-year loan at this week's average rate of 7.18%, the payment comes to about $2,683 a month with property taxes and insurance, and lenders often look for housing costs of about 28% of gross income or less. Your debts, down payment and credit all change the number.

Is Arizona High Country a buyer's or seller's market?

Arizona High Country is a balanced market for homes right now, leaning toward buyers. There are 5 months of homes for sale at the current pace of sales (under 4 months usually favors sellers, over 6 favors buyers). Homes are selling for a median of 97.4% of the asking price, and 25% of homes for sale have had a price cut.

Do homes in Arizona High Country sell above or below asking price?

Mostly below asking. Homes in Arizona High Country sold for a median of 97.4% of the final list price over the last 12 months, and 8.4% of recent sales closed above list.

How fast are homes selling in Arizona High Country?

Homes that sold in Arizona High Country over the last 6 months went under contract in a median of 36 days. Homes with no HOA for sale now have been listed for a median of 133 days.

Are home prices in Arizona High Country going up or down?

About flat. Homes that sold in Arizona High Country in the last 6 months went for a median of $312 per square foot, compared with $312 in the 6 months before. Mountain-town prices swing with the seasons, so treat this as a rough guide.

How many homes with no HOA are for sale in Arizona High Country right now?

There are 2,299 listings of homes with no HOA in Arizona High Country: 2,070 for sale and 229 pending or under contract. 64 came on the market in the last 7 days.

Is it a good time to sell a home in Arizona High Country?

Arizona High Country is balanced, with 5 months of homes for sale: buyers have choices, so homes priced from recent sales sell best. Recent sales went under contract in a median of 36 days at 97.4% of list.

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Arizona High Country Homes for Sale with No HOA

2,299 homes and lots in Arizona High Country where the MLS listing says there is no homeowners association, so no HOA dues. Deed restrictions and county zoning can still apply.

2,299 listings

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3 bed manufactured home at 1919 E Sierra Pine Loop, Pinetop

Price cut: $39,000 (9/11)

Manufactured home for sale

$280,000

3 bds | 2 ba | 1,456 sqft | 0.15 acres

No HOA

1919 E Sierra Pine Loop, Pinetop, AZ 85935

Evergreen Realty

Land at Lot 7 Snowflake Boulevard, Snowflake

Price cut: $1,000 (9/11)

Land for sale

$68,000

40 acres | $1,700/acre

Panoramic views • Horses allowed • No HOA

Lot 7 Snowflake Boulevard, Snowflake, AZ 85937

White Mountain Realty

Land at Lot 51 Ridgeview Ranch Drive, Snowflake

Price cut: $1,000 (9/11)

Land for sale

$68,000

39.56 acres | $1,719/acre

Panoramic views • Horses allowed • No HOA

Lot 51 Ridgeview Ranch Drive, Snowflake, AZ 85937

White Mountain Realty

Land at Lot 39 Despain Avenue, Snowflake

Price cut: $1,000 (9/11)

Land for sale

$68,000

38.96 acres | $1,745/acre

Panoramic views • Electric available • Horses allowed

Lot 39 Despain Avenue, Snowflake, AZ 85937

White Mountain Realty

4 bed house at 2185 GRAPHITE Road, Clay Springs

House for sale

$625,000

4 bds | 3 ba | 3,000 sqft | 1.24 acres

Panoramic views • Horses allowed • No HOA

2185 GRAPHITE Road, Clay Springs, AZ 85923

RE/MAX Desert Showcase

61 days on market

Land for sale

$33,000

0.25 acres | $132,000/acre

No HOA

LOT 103 Bogey Drive, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

1032 days on market

Land for sale

$20,000

1.06 acres | $18,868/acre

Horses allowed • No HOA

52 Co Road, # 8008, Concho, AZ 85924

Realty Executives Arizona Territory - Springerville

616 days on market

Land for sale

$125,000

2.94 acres | $42,517/acre

Electric available • No HOA

TBD E Central Avenue, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

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Found for you by Teri & Jenny · West USA Realty

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61 days on market

Land for sale

$33,000

0.23 acres | $143,478/acre

No HOA

LOT 143 S River Road, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

Land for sale

$101,000

1.01 acres | $100,000/acre

Electric available • Horses allowed • No HOA

0001 Jeep Trail, Overgaard, AZ 85933

West USA Realty - Overgaard

Land for sale

$143,000

1.43 acres | $100,000/acre

Electric available • No HOA

0000 Jeep Trail, Overgaard, AZ 85933

West USA Realty - Overgaard

3 bed house at 8696 LEAH Lane, Flagstaff

77 days on market

House for sale

$799,900

3 bds | 2 ba | 1,626 sqft | 2.85 acres

Panoramic views • Horses allowed • No HOA

8696 LEAH Lane, Flagstaff, AZ 86004

Real Broker

For sale

$65,000

No HOA

131 WALNUT Road, Williams, AZ 86046

Grand Canyon Realty

3 bed manufactured home at 29 8027, Concho

Price cut: $39,100 (9/10)

Manufactured home for sale

$219,900

3 bds | 2 ba | 1,456 sqft | 1.04 acres

Horses allowed • No HOA • Fireplace

29 8027, Concho, AZ 85924

Aces High Real Estate

2 bed manufactured home at 2125 Fishermans Road, Overgaard

Price cut: $5,000 (9/9)

Manufactured home for sale

$245,000

2 bds | 2 ba | 1,152 sqft | 0.27 acres

No HOA

2125 Fishermans Road, Overgaard, AZ 85933

West USA Realty - Overgaard

3 bed house at 1541 W Hall Street, Show Low

Price cut: $20,100 (9/9)

House for sale

$354,900

3 bds | 2 ba | 1,456 sqft | 0.16 acres

No HOA • 2-car garage

1541 W Hall Street, Show Low, AZ 85901

Clear Property Management - Snowflake

House for sale

$385,000

3 bds | 2 ba | 1,394 sqft | 0.21 acres

Wooded views • No HOA • Fireplace

3728 N PAPAGO Lane, Pine, AZ 85544

DeLex Realty

2 bed house at 2861 Angel Trail, Overgaard

128 days on market

House for sale

$288,000

2 bds | 1 ba | 1,028 sqft | 0.5 acres

Horses allowed • No HOA • Fireplace

2861 Angel Trail, Overgaard, AZ 85933

Skyline Canyon Realty

3 bed manufactured home at 312A E Airline Boulevard, Payson

Pending

Manufactured home for sale

$239,000

3 bds | 2 ba | 1,680 sqft | 0.23 acres

No HOA • Fireplace

312A E Airline Boulevard, Payson, AZ 85541

Realty ONE Group

Price cut: $10,000 (9/8)

Land for sale

$15,000

3.72 acres | $4,032/acre

Horses allowed • No HOA

TBD CR 8026, Concho, AZ 85924

Realty Executives Arizona Territory - Show Low

Land at 1019 MERZVILLE Road 234, Forest Lakes

422 days on market

Land for sale

$274,900

1.02 acres | $269,510/acre

Water service • Horses allowed • No HOA

1019 MERZVILLE Road 234, Forest Lakes, AZ 85931

West USA Realty

4 bed house at 819 E Tumbleweed Lane, Taylor

House for sale

$545,000

4 bds | 3 ba | 2,344 sqft | 0.9 acres

No HOA • 2-car garage • Fireplace

819 E Tumbleweed Lane, Taylor, AZ 85939

Realty Executives Arizona Territory - Show Low

84 days on market

Land for sale

$415,000

1.59 acres | $261,006/acre

Electric available • No HOA

4583 Sky Hi Road, 4571, Pinetop, AZ 85935

eXp Realty - Show Low

3 bed manufactured home at 922 N Easy Street, Payson

Under Contract

Manufactured home for sale

$319,000

3 bds | 2 ba | 1,344 sqft | 0.14 acres

No HOA • 2-car garage

922 N Easy Street, Payson, AZ 85541

ERA YOUNG REALTY-PAYSON

3 bed manufactured home at 6589 State Route 260, Show Low

167 days on market

Manufactured home for sale

$225,000

3 bds | 2 ba | 1,345 sqft | 1.28 acres

Horses allowed • No HOA

6589 State Route 260, Show Low, AZ 85901

Incyte Realty, LLC

595 days on market

Land for sale

$4,200

1.25 acres | $3,360/acre

Horses allowed • No HOA

tbd 211-46-010F, Concho, AZ 85924

Realty One Group - Gilbert

2 bed house at 2425 TALL TREES Loop, Forest Lakes

Price cut: $24,000 (9/9)

House for sale

$575,000

2 bds | 2 ba | 1,428 sqft | 1 acres

Horses allowed • No HOA • Fireplace

2425 TALL TREES Loop, Forest Lakes, AZ 85931

West USA Realty

Price cut: $25,000 (9/9)

House for sale

$324,900

1 bds | 1 ba | 536 sqft | 0.55 acres

Panoramic views • Horses allowed • No HOA

167 S Ranch Lane, Payson, AZ 85541

Congress Realty, Inc.

420 days on market

Land for sale

$550,000

12.95 acres | $42,471/acre

Horses allowed • No HOA

0 S Central Avenue E, Show Low, AZ 85901

Keller Williams Integrity First Realty

420 days on market

Land for sale

$920,000

23.29 acres | $39,502/acre

Horses allowed • No HOA

0 S 8th Street B, Show Low, AZ 85901

Keller Williams Integrity First Realty

4 bed house at 148 N SUNSET Circle, Eagar

Price cut: $72,175 (9/8)

House for sale

$658,075

4 bds | 4 ba | 3,175 sqft | 0.35 acres

Panoramic views • No HOA • 2-car garage

148 N SUNSET Circle, Eagar, AZ 85925

Greer Land & Investments

4 bed manufactured home at 55 N COUNTRY Lane, Concho

93 days on market

Manufactured home for sale

$199,000

4 bds | 3 ba | 2,052 sqft | 2.08 acres

Panoramic views • Horses allowed • No HOA

55 N COUNTRY Lane, Concho, AZ 85924

Advantage Realty Professionals

2 bed manufactured home at 1771 W Ridgeview Ranch Drive, Snowflake

Pending

Manufactured home for sale

$300,000

2 bds | 2 ba | 1,000 sqft | 16.26 acres

Panoramic views • Horses allowed • No HOA

1771 W Ridgeview Ranch Drive, Snowflake, AZ 85937

West USA Realty - Snowflake

3 bed manufactured home at 5010 E Dean Avenue, Flagstaff

Price cut: $19,000 (9/8)

Manufactured home for sale

$220,000

3 bds | 2 ba | 1,474 sqft | 0.13 acres

New construction • Mountain views • No HOA

5010 E Dean Avenue, Flagstaff, AZ 86004

Crossroads Brokerage

Price cut: $15,100 (9/8)

Land for sale

$29,900

4.16 acres | $7,188/acre

Horses allowed • No HOA

1259 Kb Ranch Road, Show Low, AZ 85901

Advantage Realty Professionals - Lakeside

Price cut: $20,000 (8/26)

Land for sale

$105,000

3.44 acres | $30,523/acre

Electric available • Horses allowed • No HOA

TBD W 26 Bar Road, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

Land at TBD Lower County Road, Springerville

Price cut: $19,000 (8/31)

Land for sale

$49,000

1.73 acres | $28,324/acre

Electric available • No HOA

TBD Lower County Road, Springerville, AZ 85938

Realty Executives Arizona Territory - Springerville

257 days on market

House for sale

$469,000

3 bds | 2 ba | 1,357 sqft | 1.09 acres

Panoramic views • Horses allowed • No HOA

15 Co Rd 2026, Nutrioso, AZ 85932

Realty Executives Arizona Territory - Springerville

3 bed house at 11 & 15 Co Rd 2026, Nutrioso

257 days on market

House for sale

$519,000

3 bds | 2 ba | 1,357 sqft | 2.21 acres

Horses allowed • No HOA • 2-car garage

11 & 15 Co Rd 2026, Nutrioso, AZ 85932

Realty Executives Arizona Territory - Springerville

323 days on market

Land for sale

$49,999

40.39 acres | $1,238/acre

Electric available • Horses allowed • No HOA

TBD Stirrup Road, Snowflake, AZ 85937

SEI Real Estate Professionals - Snowflake

Listing data provided by Arizona Regional Multiple Listing Service. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.

Listing data provided by Central Arizona Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Listing data provided by White Mountain Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information is deemed reliable but not guaranteed accurate by the White Mountain Association of REALTORS® Copyright 2026 White Mountain Association of REALTORS® All rights reserved.

Arizona High Country real estate market questions

How much do homes with no HOA cost in Arizona High Country?: The median list price of homes with no HOA for sale in Arizona High Country is $434,950, or $276 per square foot. Over the last 12 months, homes in Arizona High Country sold for a median of $495,000.
How much do you need to make to afford homes with no HOA in Arizona High Country?: Roughly $115,000 a year at the median list price of $434,950. With 20% down and a 30-year loan at this week's average rate of 7.18%, the payment comes to about $2,683 a month with property taxes and insurance, and lenders often look for housing costs of about 28% of gross income or less. Your debts, down payment and credit all change the number.
Is Arizona High Country a buyer's or seller's market?: Arizona High Country is a balanced market for homes right now, leaning toward buyers. There are 5 months of homes for sale at the current pace of sales (under 4 months usually favors sellers, over 6 favors buyers). Homes are selling for a median of 97.4% of the asking price, and 25% of homes for sale have had a price cut.
Do homes in Arizona High Country sell above or below asking price?: Mostly below asking. Homes in Arizona High Country sold for a median of 97.4% of the final list price over the last 12 months, and 8.4% of recent sales closed above list.
How fast are homes selling in Arizona High Country?: Homes that sold in Arizona High Country over the last 6 months went under contract in a median of 36 days. Homes with no HOA for sale now have been listed for a median of 133 days.
Are home prices in Arizona High Country going up or down?: About flat. Homes that sold in Arizona High Country in the last 6 months went for a median of $312 per square foot, compared with $312 in the 6 months before. Mountain-town prices swing with the seasons, so treat this as a rough guide.
How many homes with no HOA are for sale in Arizona High Country right now?: There are 2,299 listings of homes with no HOA in Arizona High Country: 2,070 for sale and 229 pending or under contract. 64 came on the market in the last 7 days.
Is it a good time to sell a home in Arizona High Country?: Arizona High Country is balanced, with 5 months of homes for sale: buyers have choices, so homes priced from recent sales sell best. Recent sales went under contract in a median of 36 days at 97.4% of list. See what your Arizona High Country home is worth →

From MLS listings and sales, updated every 30 minutes. Last updated Nov 5, 2026.

Arizona High Country Homes for Sale with No HOA

Arizona High Country real estate market questions

Homes with no HOA in Arizona High Country towns

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