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 $435,000, 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 $435,000. 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 2,298 listings of homes with no HOA in Arizona High Country: 2,069 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

2,302 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.

2,302 listings

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302 days on market

Land for sale

$19,500

10.09 acres | $1,933/acre

Horses allowed • No HOA

9133 Ridge View Lane, Snowflake, AZ 85937

White Mountain Realty

98 days on market

Land for sale

$12,000

2.36 acres | $5,085/acre

Horses allowed • No HOA

3845 Apache Road, Snowflake, AZ 85937

White Mountain Realty

306 days on market

Land for sale

$56,000

40.75 acres | $1,374/acre

Panoramic views • Electric available • Horses allowed

Lot 140 5525, Concho, AZ 85924

White Mountain Realty

206 days on market

Land for sale

$135,000

37.34 acres | $3,615/acre

Panoramic views • Electric available • Horses allowed

N9237 Miller Lane, Concho, AZ 85924

White Mountain Realty

141 days on market

Land for sale

$45,000

44.32 acres | $1,015/acre

Panoramic views • Horses allowed • No HOA

8028 Dawn Star Trail, Snowflake, AZ 85937

White Mountain Realty

167 days on market

Land for sale

$13,900

2.36 acres | $5,890/acre

Electric available • Horses allowed • No HOA

3958 Apache Road, Snowflake, AZ 85937

White Mountain Realty

3 bed manufactured home at 852 NAVAJO Trail, Show Low

Price cut: $5,100 (8/28)

Manufactured home for sale

$544,900

3 bds | 3 ba | 2,129 sqft | 1.38 acres

Mountain views • Horses allowed • No HOA

852 NAVAJO Trail, Show Low, AZ 85901

My Home Group Real Estate

Land at 9518 Woodruff Hay Hollow Road, Snowflake

120 days on market

Land for sale

$1,250,000

415.38 acres | $3,009/acre

Panoramic views • Electric available • Well

9518 Woodruff Hay Hollow Road, Snowflake, AZ 85937

White Mountain Realty

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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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3 bed house at 232 S Hopi Street, Springerville

Price cut: $60,000 (8/28)

House for sale

$339,000

3 bds | 2 ba | 2,136 sqft | 0.32 acres

Panoramic views • No HOA

232 S Hopi Street, Springerville, AZ 85938

Elk Country Realty LLC

Land at Lot 025 Cherry Blossom Lane, Snowflake

70 days on market

Land for sale

$65,000

2.34 acres | $27,778/acre

Electric available • Horses allowed • No HOA

Lot 025 Cherry Blossom Lane, Snowflake, AZ 85937

West USA Realty - Snowflake

277 days on market

House for sale

$60,000

1 bds | 1 ba | 300 sqft | 1.15 acres

Horses allowed • No HOA

63 County Road, # 8221, Concho, AZ 85924

West USA Realty - Show Low

2 bed house at 6413 W Barton Drive, Pine

276 days on market

House for sale

$280,000

2 bds | 1 ba | 864 sqft | 0.32 acres

No HOA • Fireplace

6413 W Barton Drive, Pine, AZ 85544

Opportunity 2 Own Real Estate

3 bed manufactured home at 200 Timber Ridge Loop, Show Low

202 days on market

Manufactured home for sale

$429,000

3 bds | 2 ba | 2,640 sqft | 0.23 acres

Panoramic views • No HOA • 2-car garage

200 Timber Ridge Loop, Show Low, AZ 85901

Realty Executives Arizona Territory - Show Low

5 bed house at 1023 Casper Lane, Show Low

735 days on market

House for sale

$1,500,000

5 bds | 4 ba | 3,814 sqft | 5.63 acres

Panoramic views • Horses allowed • No HOA

1023 Casper Lane, Show Low, AZ 85901

Realty Executives Arizona Territory - Show Low

Land at TBD W Longhorn Street, Snowflake

70 days on market

Land for sale

$94,000

0.3 acres | $313,333/acre

Electric available • No HOA

TBD W Longhorn Street, Snowflake, AZ 85937

West USA Realty - Snowflake

3 bed house at 7261 E LONG BOW Drive, Williams

180 days on market

House for sale

$485,000

3 bds | 3 ba | 810 sqft | 1.01 acres

Wooded views • Horses allowed • No HOA

7261 E LONG BOW Drive, Williams, AZ 86046

Realty ONE Group

96 days on market

House for sale

$649,900

3 bds | 3 ba | 2,001 sqft | 2.01 acres

New construction • No HOA • 2-car garage

2090 Meadow Way, Taylor, AZ 85939

Ashby Realty Group LLC

3 bed house at 508 S Meadow Street, Payson

Price cut: $10,000 (8/19)

House for sale

$355,000

3 bds | 2 ba | 1,200 sqft | 0.26 acres

Mountain views • No HOA • 2-car garage

508 S Meadow Street, Payson, AZ 85541

REALTY EXECUTIVES ARIZONA TERRITORY - PAYSON 3

71 days on market

Land for sale

$35,000

4.24 acres | $8,255/acre

Panoramic views • Electric available • Horses allowed

78 8006, Concho, AZ 85924

AARE

142 days on market

Land for sale

$8,700

1.45 acres | $6,000/acre

Wooded views • Horses allowed • No HOA

xx _4 8, Williams, AZ 86046

Howe Realty

Price cut: $14,500 (8/27)

Land for sale

$10,500

1.72 acres | $6,105/acre

Wooded views • Horses allowed • No HOA

xx _3 2, Williams, AZ 86046

Howe Realty

3 bed manufactured home at 68 Charlene Drive, Concho

Price reduced (8/25)

Manufactured home for sale

$399,900

3 bds | 2 ba | 2,212 sqft | 3.51 acres

Horses allowed • No HOA • Fireplace

68 Charlene Drive, Concho, AZ 85924

HomeSmart

4 bed house at 26 Palomino Place, Vernon

159 days on market

House for sale

$585,000

4 bds | 3 ba | 3,149 sqft | 5 acres

Panoramic views • Horses allowed • No HOA

26 Palomino Place, Vernon, AZ 85940

Elk Country Realty LLC

4 bed house at 804 S Pony Circle, Payson

244 days on market

House for sale

$389,000

4 bds | 2 ba | 1,900 sqft | 0.19 acres

No HOA • Fireplace

804 S Pony Circle, Payson, AZ 85541

Delex Realty, LLC

Price cut: $2,000 (8/26)

Land for sale

$8,000

1.04 acres | $7,692/acre

Panoramic views • Horses allowed • No HOA

627 County Road N3527, Concho, AZ 85924

West USA Realty - Overgaard

84 days on market

House for sale

$1,195,000

3 bds | 2 ba | 2,250 sqft | 10.19 acres

Panoramic views • Horses allowed • No HOA

20 ACR N3287, (8 N CR 3282), Vernon, AZ 85940

Realty Executives Arizona Territory - Show Low

226 days on market

Land for sale

$12,000

0.05 acres | $240,000/acre

Electric available • Horses allowed • No HOA

Lot 338 Bartlett Pl, Show Low, AZ 85901

Mountain Retreat Realty Experts, LLC - Lakeside

3 bed house at 6139 White Pine Drive, Lakeside

138 days on market

House for sale

$415,000

3 bds | 2 ba | 1,475 sqft | 0.47 acres

No HOA • 1-car garage

6139 White Pine Drive, Lakeside, AZ 85929

eXp Realty - Show Low

2 bed manufactured home at 945 Full House Lane, Show Low

125 days on market

Manufactured home for sale

$250,000

2 bds | 1 ba | 1,176 sqft | 2.5 acres

Horses allowed • No HOA • Fireplace

945 Full House Lane, Show Low, AZ 85901

Forest Properties Inc - Snowflake

Land at 4 parcels N Shady Oak 404-69-005 Road E D, Show Low

Price cut: $10,000 (8/26)

Land for sale

$150,000

40 acres | $3,750/acre

Horses allowed • No HOA

4 parcels N Shady Oak 404-69-005 Road E D, Show Low, AZ 85901

HomeSmart

Price cut: $51,000 (8/26)

Land for sale

$499,000

6.35 acres | $78,583/acre

Electric available • Well • Horses allowed

2975 Canary Lane, Heber, AZ 85928

West USA Realty - Overgaard

Land at 290 Rockin K Road 1081, Williams

311 days on market

Land for sale

$699,000

290.86 acres | $2,403/acre

Panoramic views • No HOA

290 Rockin K Road 1081,77,76,75&74, Williams, AZ 86046

Amazing Options Realty

249 days on market

Land for sale

$79,900

0.39 acres | $204,872/acre

Electric available • No HOA

6454 W BRADSHAW Drive, Pine, AZ 85544

ARIZONA ELITE PROPERTIES - CHANDLER

3 bed house at 1103 S STEWART POCKET Circle, Payson

80 days on market

House for sale

$685,000

3 bds | 3 ba | 2,304 sqft | 0.47 acres

Creek view • No HOA • 2-car garage

1103 S STEWART POCKET Circle, Payson, AZ 85541

Real Broker

630 days on market

Land for sale

$50,000

38.29 acres | $1,306/acre

Panoramic views • Horses allowed • No HOA

8037 Uttecht Trail, Snowflake, AZ 85937

Realty Executives Arizona Territory - Snowflake

3 bed house at 1285 W PAINT PONY Drive, Payson

105 days on market

House for sale

$335,000

3 bds | 2 ba | 1,152 sqft | 0.16 acres

Creek view • No HOA

1285 W PAINT PONY Drive, Payson, AZ 85541

Arizona Realty Central

Land at 464 S West Street, Springerville

73 days on market

Land for sale

$22,500

0.25 acres | $90,000/acre

Electric available • No HOA

464 S West Street, Springerville, AZ 85938

West USA Realty

79 days on market

Land for sale

$99,000

1.87 acres | $52,941/acre

Horses allowed • No HOA

1375 W MUNSEE Drive 28, Payson, AZ 85541

Desert 2 Mountain Realty

Land at 149&151 County Road 5101, Concho

72 days on market

Land for sale

$35,000

0.48 acres | $72,917/acre

Electric available • Horses allowed • No HOA

149&151 County Road 5101, Concho, AZ 85924

Realty Executives Arizona Territory - Show Low

129 days on market

Land for sale

$68,000

0.46 acres | $147,826/acre

Electric available • No HOA

W Sand Trap Lane, 07, 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 $435,000, 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 $435,000. 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 2,298 listings of homes with no HOA in Arizona High Country: 2,069 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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