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: 2,067 for sale and 231 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

2,298 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.

2,298 listings

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3 bed house at 207 N Parkwood Road, Payson

143 days on market

House for sale

$593,000

3 bds | 3 ba | 2,485 sqft | 0.16 acres

Wooded views • No HOA • 2-car garage

207 N Parkwood Road, Payson, AZ 85541

HomeSmart Pros

3 bed house at 15 County Road N2161, Nutrioso

125 days on market

House for sale

$699,000

3 bds | 3 ba | 2,252 sqft | 6.66 acres

Panoramic views • Horses allowed • No HOA

15 County Road N2161, Nutrioso, AZ 85932

Elk Country Realty LLC

5 bed house at 7631 Baldwin Lane, Taylor

Price cut: $74,100 (8/24)

House for sale

$874,900

5 bds | 4 ba | 3,038 sqft | 8.01 acres

Panoramic views • Horses allowed • No HOA

7631 Baldwin Lane, Taylor, AZ 85939

Elk Country Realty LLC

Price cut: $5,000 (8/21)

Land for sale

$30,000

4.48 acres | $6,696/acre

Electric available • Horses allowed • No HOA

4473 Garibaldi Road, Snowflake, AZ 85937

West USA Realty - Show Low

Price cut: $2,000 (8/24)

Land for sale

$31,000

1.04 acres | $29,808/acre

Electric available • Horses allowed • No HOA

6 County Rd 8021, Concho, AZ 85924

West USA Realty - Show Low

3 bed manufactured home at 205 County Road 5101, Concho

96 days on market

Manufactured home for sale

$269,900

3 bds | 2 ba | 1,568 sqft | 2.15 acres

Panoramic views • Horses allowed • No HOA

205 County Road 5101, Concho, AZ 85924

Grady Hillis Realty

75 days on market

House for sale

$495,000

3 bds | 2 ba | 1,994 sqft | 0.64 acres

New construction • Panoramic views • No HOA

433 W 4th Avenue, Eagar, AZ 85925

Realty Executives Arizona Territory - Springerville

Land at 887A & B Ranch of The White Mountains, Concho

133 days on market

Land for sale

$36,900

43.92 acres | $840/acre

Horses allowed • No HOA

887A & B Ranch of The White Mountains, Concho, AZ 85924

West USA Realty - Overgaard

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4 bed house at 284 W Sycamore Street, Snowflake

Price cut: $95,000 (8/23)

House for sale

$464,000

4 bds | 3 ba | 1,988 sqft | 0.44 acres

No HOA • 2-car garage

284 W Sycamore Street, W Sycamore, Snowflake, AZ 85937

Snowflake Real Estate, LLC

80 days on market

Land for sale

$10,999

2.06 acres | $5,339/acre

Panoramic views • Horses allowed • No HOA

75 5130 Osage ln, Concho, AZ 85924

AARE

Pending

House for sale

$499,000

3 bds | 2 ba | 1,404 sqft | 0.92 acres

New construction • Panoramic views • Horses allowed

17 N1014, Greer, AZ 85927

Greer Land & Investments, LLC

3 bed manufactured home at 49 N COUNTY ROAD N2003, Nutrioso

76 days on market

Manufactured home for sale

$250,000

3 bds | 2 ba | 1,500 sqft | 1.26 acres

Mountain views • Horses allowed • No HOA

49 N COUNTY ROAD N2003, Nutrioso, AZ 85932

HomeSmart

3 bed manufactured home at 1431 E Cedar Wash Road, Williams

106 days on market

Manufactured home for sale

$399,900

3 bds | 2 ba | 1,458 sqft | 9.96 acres

Panoramic views • Horses allowed • No HOA

1431 E Cedar Wash Road, Williams, AZ 86046

Realty85

76 days on market

Land for sale

$79,000

0.78 acres | $101,282/acre

Panoramic views • Electric available • Horses allowed

3332 Bear Heights Road, Heber, AZ 85928

Frank M. Smith & Associates - Main

3 bed house at 3336 Bear Heights Road, Heber

90 days on market

House for sale

$699,900

3 bds | 2 ba | 2,581 sqft | 1.42 acres

Panoramic views • Horses allowed • No HOA

3336 Bear Heights Road, Heber, AZ 85928

Frank M. Smith & Associates - Main

3 bed manufactured home at 455 S Tumbling T Drive, Springerville

76 days on market

Manufactured home for sale

$225,000

3 bds | 2 ba | 1,600 sqft

No HOA

455 S Tumbling T Drive, Springerville, AZ 85938

Realty Executives Arizona Territory - Springerville

129 days on market

Land for sale

$59,999

9.96 acres | $6,024/acre

No HOA

9070 PINTO Trail -, Show Low, AZ 85901

Realty ONE Group

2 bed manufactured home at 9070 PINTO Trail, Show Low

Price cut: $5,001 (8/22)

Manufactured home for sale

$59,999

2 bds | 1 ba | 532 sqft | 9.96 acres

Wooded views • Horses allowed • No HOA

9070 PINTO Trail, Show Low, AZ 85901

Realty ONE Group

4 bed house at 5287 N JUDY Lane, Strawberry

Price cut: $10,000 (8/14)

House for sale

$615,000

4 bds | 2 ba | 1,872 sqft | 0.37 acres

Mountain views • No HOA • Fireplace

5287 N JUDY Lane, Strawberry, AZ 85544

ARIZONA RESOURCE REALTY

76 days on market

Land for sale

$79,000

0.78 acres | $101,282/acre

Panoramic views • Electric available • Horses allowed

3346 Bear Heights Road, Heber, AZ 85928

Frank M. Smith & Associates - Main

Land at 00000 W unknown Avenue 1030, Williams

322 days on market

Land for sale

$150,000

44.82 acres | $3,347/acre

No HOA

00000 W unknown Avenue 1030, Williams, AZ 86046

Keller Williams Realty Phoenix

3 bed house at 1114 S Mud Springs Road, Payson

76 days on market

House for sale

$715,000

3 bds | 3 ba | 2,608 sqft | 0.58 acres

No HOA • 2-car garage • Fireplace

1114 S Mud Springs Road, Payson, AZ 85541

Congress Realty, Inc.

3 bed house at 680 N 34th Drive, Show Low

133 days on market

House for sale

$699,000

3 bds | 2 ba | 1,852 sqft | 0.98 acres

Panoramic views • No HOA • 2-car garage

680 N 34th Drive, Show Low, AZ 85901

Realty Executives Arizona Territory - Show Low

Land at 4964 Morning Glory Street, Clay Springs

Price cut: $50,000 (8/21)

Land for sale

$299,900

15 acres | $19,993/acre

Electric available • Horses allowed • No HOA

4964 Morning Glory Street, Clay Springs, AZ 85923

Advantage Realty Professionals - Lakeside

2 bed house at 3434 N Ranchview Road, Snowflake

95 days on market

House for sale

$375,000

2 bds | 2 ba | 1,294 sqft | 25.8 acres

Panoramic views • Horses allowed • No HOA

3434 N Ranchview Road, Snowflake, AZ 85937

Realty Executives Arizona Territory - Snowflake

Price cut: $4,002 (8/21)

Land for sale

$10,998

3.37 acres | $3,264/acre

No HOA

TBD 107-28-055A 55, Concho, AZ 85924

Realty One Group Mountain Desert

3 bed manufactured home at 1831 W HEREFORD Road, Taylor

Price cut: $14,000 (8/21)

Manufactured home for sale

$385,000

3 bds | 2 ba | 1,681 sqft | 2.5 acres

Horses allowed • No HOA • Fireplace

1831 W HEREFORD Road, Taylor, AZ 85939

Advantage Realty Professionals

Land at 144 N COUNTY ROAD 9027 47, Concho

76 days on market

Land for sale

$64,900

49.9 acres | $1,301/acre

Horses allowed • No HOA

144 N COUNTY ROAD 9027 47, Concho, AZ 85924

Realty Executives Arizona Territory

286 days on market

Land for sale

$29,900

2.49 acres | $12,008/acre

Panoramic views • Electric available • Horses allowed

8577 Pine Lane, Snowflake, AZ 85937

Realty Executives Arizona Territory - Snowflake

286 days on market

Land for sale

$29,900

2.49 acres | $12,008/acre

Panoramic views • Electric available • Horses allowed

8571 Pine Lane, Snowflake, AZ 85937

Realty Executives Arizona Territory - Snowflake

76 days on market

Land for sale

$29,900

2.09 acres | $14,306/acre

Electric available • Horses allowed • No HOA

8583 Pine Lane, Show Low, AZ 85901

Realty Executives Arizona Territory - Snowflake

3 bed house at 8020 W Gibson Ranch Road, Payson

99 days on market

House for sale

$700,000

3 bds | 2 ba | 1,400 sqft | 1.1 acres

Mountain views • Horses allowed • No HOA

8020 W Gibson Ranch Road, Payson, AZ 85541

My Home Group Real Estate, LLC

2 bed house at 1920 Aspen Lane, Overgaard

Price cut: $15,000 (8/21)

House for sale

$295,000

2 bds | 2 ba | 1,076 sqft | 0.79 acres

No HOA • Fireplace

1920 Aspen Lane, Overgaard, AZ 85933

Realty Executives Arizona Territory - Snowflake

Land at 3915 Meadow View Drive, Lakeside

76 days on market

Land for sale

$100,000

0.25 acres | $400,000/acre

Electric available • No HOA

3915 Meadow View Drive, Lakeside, AZ 85929

My Home Group Real Estate - Tempe

3 bed house at 1043 School House Lane, Show Low

Price cut: $20,000 (8/21)

House for sale

$675,000

3 bds | 2 ba | 1,886 sqft | 1.82 acres

Horses allowed • No HOA • 3-car garage

1043 School House Lane, Show Low, AZ 85901

West USA Realty - Show Low

252 days on market

Land for sale

$180,000

38.01 acres | $4,736/acre

Panoramic views • Well • Horses allowed

12 N3107, Vernon, AZ 85940

Realty Executives Arizona Territory - Snowflake

3 bed manufactured home at 47 COUNTY RD 3205, Vernon

77 days on market

Manufactured home for sale

$349,900

3 bds | 2 ba | 1,500 sqft | 1 acres

No HOA

47 COUNTY RD 3205, Vernon, AZ 85940

Gentry Real Estate

Land at 3XX S Manor Circle S 4, Snowflake

237 days on market

Land for sale

$100,000

1 acres | $100,000/acre

Panoramic views • Water service • No HOA

3XX S Manor Circle S 4, Snowflake, AZ 85937

Call Realty, Inc.

79 days on market

Land for sale

$278,000

37.12 acres | $7,489/acre

Electric available • Horses allowed • No HOA

8442 Lake Ridge Road, Show Low, AZ 85901

Aspen Properties, Inc. - Pinetop

3 bed house at 1467 COUNTY RD 3140, Vernon

797 days on market

House for sale

$590,000

3 bds | 2 ba | 2,840 sqft | 5.17 acres

Horses allowed • No HOA • 3-car garage

1467 COUNTY RD 3140, Vernon, AZ 85940

HomeSmart

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: 2,067 for sale and 231 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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