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 97.3% 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 97.3% 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 97.3% 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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Price cut: $15,000 (9/3)

Land for sale

$170,000

10.01 acres | $16,983/acre

Well • No HOA

TBD N3262 -, Vernon, AZ 85940

HomeSmart

1 bed house at 2873 Turkey Trail, Overgaard

78 days on market

House for sale

$349,000

1 bds | 2 ba | 1,087 sqft | 1 acres

Panoramic views • Horses allowed • No HOA

2873 Turkey Trail, Overgaard, AZ 85933

Real Broker

3 bed manufactured home at 6963 Thomas Ranch Road, Show Low

63 days on market

Manufactured home for sale

$340,000

3 bds | 2 ba | 1,456 sqft | 0.6 acres

Horses allowed • No HOA • Fireplace

6963 Thomas Ranch Road, Show Low, AZ 85901

Keller Williams Arizona Realty - Pinetop

2 bed house at 1010 N Gila Drive, Payson

63 days on market

House for sale

$310,000

2 bds | 2 ba | 1,056 sqft | 0.14 acres

No HOA • Fireplace

1010 N Gila Drive, Payson, AZ 85541

REALTY EXECUTIVES ARIZONA TERRITORY - PAYSON 3

3 bed house at 576 S Evergreen Drive, Pinetop

Price cut: $45,100 (9/3)

House for sale

$549,900

3 bds | 2 ba | 2,021 sqft | 0.43 acres

No HOA • 2-car garage • Fireplace

576 S Evergreen Drive, Pinetop, AZ 85935

Realty Executives Arizona Territory - Show Low

3 bed house at 192 County Road 2180, Nutrioso

Price cut: $37,100 (9/3)

House for sale

$549,900

3 bds | 3 ba | 3,214 sqft | 0.83 acres

Horses allowed • No HOA • 2-car garage

192 County Road 2180, Nutrioso, AZ 85932

Delex Realty

Price reduced (9/3)

House for sale

$319,900

3 bds | 2 ba | 1,258 sqft | 0.45 acres

Horses allowed • No HOA • Fireplace

190 Co Rd 2180, Nutrioso, AZ 85932

Delex Realty

Price cut: $10,000 (9/3)

Land for sale

$319,900

0.38 acres | $841,842/acre

Creek view • Water service • No HOA

1204 AZ-179 0, Sedona, AZ 86336

RE/MAX Sedona

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Your beds | your baths | your view

Anywhere in the High Country, AZ

Found for you by Teri & Jenny · West USA Realty

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Price cut: $15,000 (9/3)

Land for sale

$40,000

10.1 acres | $3,960/acre

Panoramic views • No HOA

000 0000 553B, Concho, AZ 85924

Real Broker

3 bed house at 2175 S EAGLE CREEK Lane, Williams

270 days on market

House for sale

$950,000

3 bds | 2 ba | 1,966 sqft | 2.02 acres

Wooded views • Horses allowed • No HOA

2175 S EAGLE CREEK Lane, Williams, AZ 86046

A.Z. & Associates

1 bed manufactured home at 2164 S WOODS Drive, Overgaard

Price cut: $9,600 (9/2)

Manufactured home for sale

$139,900

1 bds | 1 ba | 408 sqft | 0.23 acres

Wooded views • No HOA • Fireplace

2164 S WOODS Drive, Overgaard, AZ 85933

West USA Realty

64 days on market

Land for sale

$7,500

1.18 acres | $6,356/acre

Panoramic views • Horses allowed • No HOA

4205 Pinon Lane, Snowflake, AZ 85937

Realty Executives Arizona Territory - Show Low

Land at 34 County Road 2279 34, Nutrioso

Price cut: $5,000 (9/2)

Land for sale

$29,900

1.96 acres | $15,255/acre

Horses allowed • No HOA

34 County Road 2279 34, Nutrioso, AZ 85932

DeLex Realty

Land at 1306 N Earhart Circle 103, Payson

Price cut: $10,900 (9/2)

Land for sale

$239,000

0.78 acres | $306,410/acre

Water service • No HOA

1306 N Earhart Circle 103, Payson, AZ 85541

West USA Realty

Land at TBD W Freedline Drive 47, Flagstaff

64 days on market

Land for sale

$295,000

2.48 acres | $118,952/acre

No HOA

TBD W Freedline Drive 47, Flagstaff, AZ 86001

R.O.I. Properties

269 days on market

House for sale

$340,000

2 bds | 2 ba | 1,016 sqft | 0.25 acres

Mountain views • Horses allowed • No HOA

181 E Park Road, Payson, AZ 85541

REALTY EXECUTIVES ARIZONA TERR

118 days on market

House for sale

$260,000

2 bds | 2 ba | 1,034 sqft | 0.23 acres

No HOA • 2-car garage • Fireplace

608 E Fir Circle, Payson, AZ 85541

REALTY EXECUTIVES ARIZONA TERR

65 days on market

Land for sale

$49,900

0.77 acres | $64,805/acre

No HOA

15 N BUTTERMILK Lane 52, Alpine, AZ 85920

First United Realty

665 days on market

Land for sale

$39,900

5.07 acres | $7,870/acre

Electric available • Horses allowed • No HOA

TBD Hawk Rd, Show Low, AZ 85901

Realty Executives Arizona Territory - Show Low

3 bed house at 801 N Granite Drive, Payson

Price cut: $1,000 (9/2)

House for sale

$338,000

3 bds | 2 ba | 1,312 sqft | 0.29 acres

Wooded views • No HOA • Fireplace

801 N Granite Drive, Payson, AZ 85541

HomeSmart Pros

514 days on market

Land for sale

$40,000

0.48 acres | $83,333/acre

Electric available • No HOA

TBD SUNSET Drive, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

3 bed house at 12 County Road 2070, Alpine

64 days on market

House for sale

$1,139,000

3 bds | 3 ba | 3,508 sqft | 0.45 acres

No HOA • 2-car garage • Fireplace

12 County Road 2070, Lot 139, Alpine, AZ 85920

Delex Realty

65 days on market

House for sale

$400,000

2 bds | 2 ba | 832 sqft | 0.33 acres

Wooded views • No HOA • 2-car garage

6384 W JAN Drive, Pine, AZ 85544

Opportunity 2 Own Real Estate

3 bed house at 312 N Pioneer Trail, Payson

Price cut: $15,000 (9/2)

House for sale

$400,000

3 bds | 2 ba | 1,358 sqft | 0.18 acres

No HOA • 2-car garage

312 N Pioneer Trail, Payson, AZ 85541

Delex Realty, LLC

Price cut: $2,000 (8/17)

Land for sale

$185,000

20 acres | $9,250/acre

Horses allowed • No HOA

0000 None 18A & 18B, Flagstaff, AZ 86004

The Agency

Price cut: $3,000 (9/1)

Land for sale

$25,000

1.03 acres | $24,272/acre

Panoramic views • Well • Horses allowed

8Z Concho Creek Dr, Concho, AZ 85924

Realty Executives Arizona Territory - Snowflake

3 bed manufactured home at 1006 S Cedarcrest Circle, Payson

Pending

Manufactured home for sale

$175,000

3 bds | 2 ba | 1,248 sqft | 0.14 acres

No HOA

1006 S Cedarcrest Circle, Payson, AZ 85541

DenMar Realty

127 days on market

Land for sale

$419,000

4 acres | $104,750/acre

Wooded views • Electric available • Well

2319 Swan Lane, Happy Jack, AZ 86024

REALTY ONE GROUP, MOUNTAIN DESERT - FLAGSTAFF

4 bed house at 949 Geronimo Lane, Show Low

Price cut: $55,000 (9/1)

House for sale

$474,900

4 bds | 2 ba | 2,637 sqft | 1.21 acres

Horses allowed • No HOA

949 Geronimo Lane, Show Low, AZ 85901

Long Realty Covey Luxury Properties

3 bed house at 307 S Brassie Drive, Payson

Price cut: $7,600 (8/20)

House for sale

$574,900

3 bds | 3 ba | 2,176 sqft | 0.22 acres

No HOA • Basement • 2-car garage

307 S Brassie Drive, Payson, AZ 85541

Delex Realty, LLC

1 bed house at 61 County Road 3114, Vernon

138 days on market

House for sale

$1,149,900

1 bds | 1 ba | 4,000 sqft | 36 acres

Horses allowed • No HOA

61 County Road 3114, Vernon, AZ 85940

Realty Executives Arizona Territory - Show Low

Price cut: $88,910 (9/1)

Land for sale

$400,000

162.97 acres | $2,454/acre

Panoramic views • Horses allowed • No HOA

1470 E Concho Highway -, Concho, AZ 85924

West USA Realty

3 bed manufactured home at 15 N8476, Concho

Price cut: $5,000 (8/27)

Manufactured home for sale

$195,000

3 bds | 1 ba | 835 sqft | 37.8 acres

Panoramic views • Horses allowed • No HOA

15 N8476, Concho, AZ 85924

Realty Executives Arizona Territory - Snowflake

4 bed house at 134 E Belluzzi Boulevard, Payson

Price cut: $10,000 (9/1)

House for sale

$549,000

4 bds | 2 ba | 2,192 sqft | 0.62 acres

Horses allowed • No HOA • Fireplace

134 E Belluzzi Boulevard, Payson, AZ 85541

Berkshire Hathaway HomeServices Advantage Realty - PAYSON

91 days on market

Land for sale

$190,000

73.75 acres | $2,576/acre

Wooded views • Horses allowed • No HOA

3981 APACHE Road -, Snowflake, AZ 85937

Dominion Group Properties

2 bed house at 24 COUNTY ROAD 2065, Alpine

Price cut: $4,000 (9/1)

House for sale

$375,000

2 bds | 2 ba | 1,153 sqft | 0.49 acres

Wooded views • No HOA

24 COUNTY ROAD 2065, Alpine, AZ 85920

West USA Realty

2 bed manufactured home at 92 CR N5417, Concho

Price cut: $5,000 (9/1)

Manufactured home for sale

$315,000

2 bds | 2 ba | 1,328 sqft | 38 acres

Wooded views • Horses allowed • No HOA

92 CR N5417, Concho, AZ 85924

West USA Realty

6 bed house at 1099 S Kellis Boulevard, Snowflake

86 days on market

House for sale

$649,900

6 bds | 4 ba | 3,979 sqft | 1.07 acres

Panoramic views • Horses allowed • No HOA

1099 S Kellis Boulevard, Snowflake, AZ 85937

SEI Real Estate Professionals - Snowflake

5 bed house at 927 W Siesta Drive, Taylor

69 days on market

House for sale

$535,000

5 bds | 3 ba | 2,308 sqft | 0.44 acres

No HOA • 2-car garage • Fireplace

927 W Siesta Drive, Taylor, AZ 85939

Keller Williams Realty Phoenix - Show Low

67 days on market

Land for sale

$14,000

0.24 acres | $58,333/acre

Panoramic views • Electric available • Horses allowed

168 CR 5201, Concho, AZ 85924

Realty Executives Arizona Territory - Show Low

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 97.3% 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 97.3% 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 97.3% 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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