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: 2,066 for sale and 232 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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2 bed house at 2604 E 9TH SUNDOWN Lane, Snowflake

92 days on market

House for sale

$249,900

2 bds | 2 ba | 1,056 sqft | 0.98 acres

No HOA

2604 E 9TH SUNDOWN Lane, Snowflake, AZ 85937

HomeSmart

7 bed property at 309 N HUMPHREYS Street, Flagstaff

86 days on market

For sale

$1,490,000

7 bds | 5 ba

No HOA

309 N HUMPHREYS Street, Flagstaff, AZ 86001

Linton Real Estate, LLC

4 bed house at 1019 S JUNIPER Street, Eagar

88 days on market

House for sale

$1,099,000

4 bds | 5 ba | 3,553 sqft | 4.98 acres

Panoramic views • Horses allowed • No HOA

1019 S JUNIPER Street, Eagar, AZ 85925

Limitless Real Estate

3 bed house at 3910 LARSON Loop, Forest Lakes

216 days on market

House for sale

$750,000

3 bds | 3 ba | 1,728 sqft | 1 acres

Horses allowed • No HOA • Basement

3910 LARSON Loop, Forest Lakes, AZ 85931

Real Estate Brokers Intl

3 bed manufactured home at 65 ACR 3199, Vernon

97 days on market

Manufactured home for sale

$372,000

3 bds | 2 ba | 1,896 sqft | 2.81 acres

No HOA

65 ACR 3199, Vernon, AZ 85940

Real Broker

2 bed house at 2733 ARIDO OVI, Flagstaff

99 days on market

House for sale

$795,000

2 bds | 2 ba | 1,879 sqft | 0.38 acres

No HOA • Basement • Fireplace

2733 ARIDO OVI, Flagstaff, AZ 86005

West USA Realty Flagstaff

4 bed house at 647 S MOONLIGHT Drive, Payson

112 days on market

House for sale

$480,000

4 bds | 2 ba | 2,672 sqft | 1.11 acres

No HOA

647 S MOONLIGHT Drive, Payson, AZ 85541

eXp Realty

3 bed house at 4318 ANTELOPE Lane, Show Low

112 days on market

House for sale

$449,000

3 bds | 2 ba | 1,200 sqft | 0.17 acres

Mountain views • No HOA

4318 ANTELOPE Lane, Show Low, AZ 85901

Real Broker

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118 days on market

House for sale

$849,900

3 bds | 2 ba | 1,672 sqft | 0.53 acres

Red rock views • No HOA • 2-car garage

15 FAWN Spur, Sedona, AZ 86336

West USA Realty

3 bed manufactured home at 14412 Leupp Road, Flagstaff

116 days on market

Manufactured home for sale

$329,000

3 bds | 2 ba | 1,248 sqft | 10 acres

Panoramic views • Horses allowed • No HOA

14412 Leupp Road, Flagstaff, AZ 86004

Village Land Shoppe

116 days on market

House for sale

$880,000

3 bds | 4 ba | 3,978 sqft | 1.09 acres

Horses allowed • No HOA • 2-car garage

2 Acr 1027 Road, Greer, AZ 85927

West USA Realty

3 bed manufactured home at 130 E Reidhead Street, Show Low

117 days on market

Manufactured home for sale

$359,900

3 bds | 2 ba | 1,568 sqft | 0.18 acres

Wooded views • No HOA • Fireplace

130 E Reidhead Street, Show Low, AZ 85901

Realty Executives Arizona Territory

5 bed house at 5247 AZ-260 Highway, Pinedale

124 days on market

House for sale

$1,680,000

5 bds | 3 ba | 3,410 sqft | 10 acres

Mountain views • Horses allowed • No HOA

5247 AZ-260 Highway, Pinedale, AZ 85934

ProManage Realty, LLC

123 days on market

House for sale

$389,000

5 bds | 3 ba | 3,200 sqft | 94.9 acres

Panoramic views • Horses allowed • No HOA

1 N 5340, Concho, AZ 85924

HomeSmart Pros

2 bed house at 2241 W SAVAGE Circle, Show Low

126 days on market

House for sale

$270,000

2 bds | 1 ba | 1,044 sqft | 0.13 acres

Wooded views • No HOA

2241 W SAVAGE Circle, Show Low, AZ 85901

DeLex Realty

2 bed house at 2927 WILDCAT Trail, Overgaard

125 days on market

House for sale

$319,000

2 bds | 2 ba | 1,004 sqft | 0.46 acres

No HOA • 1-car garage

2927 WILDCAT Trail, Overgaard, AZ 85933

Fathom Realty Elite

4 bed house at 856 COCONINO Loop, Happy Jack

130 days on market

House for sale

$783,500

4 bds | 3 ba | 2,280 sqft | 1.02 acres

Horses allowed • No HOA • 2-car garage

856 COCONINO Loop, Happy Jack, AZ 86024

West USA Realty

3 bed house at 2186 SNOW Trail, Forest Lakes

133 days on market

House for sale

$1,250,000

3 bds | 2 ba | 1,952 sqft | 1 acres

Wooded views • Horses allowed • No HOA

2186 SNOW Trail, Forest Lakes, AZ 85931

West USA Realty

3 bed house at 6348 JUNIPER RIDGE Road, Show Low

143 days on market

House for sale

$429,900

3 bds | 2 ba | 1,425 sqft | 1 acres

Mountain views • No HOA

6348 JUNIPER RIDGE Road, Show Low, AZ 85901

Ashby Realty Group, LLC

4 bed house at 571 S TONTO CREEK Drive, Payson

146 days on market

House for sale

$365,000

4 bds | 2 ba | 2,128 sqft | 0.52 acres

Mountain views • Horses allowed • No HOA

571 S TONTO CREEK Drive, Payson, AZ 85541

DeLex Realty

4 bed house at 5415 N FORT VALLEY Road, Flagstaff

154 days on market

House for sale

$2,700,000

4 bds | 4 ba | 4,010 sqft | 4.92 acres

Panoramic views • Horses allowed • No HOA

5415 N FORT VALLEY Road, Flagstaff, AZ 86001

RE/MAX Fine Properties

House at 1417 BUFFINGTON HILL Road, Heber

162 days on market

House for sale

$120,000

1 ba | 400 sqft | 40.15 acres

Horses allowed • No HOA

1417 BUFFINGTON HILL Road, Heber, AZ 85928

Fathom Realty Elite

3 bed manufactured home at 2964 TEDDY BEAR Trail, Overgaard

162 days on market

Manufactured home for sale

$285,000

3 bds | 2 ba | 1,600 sqft | 0.16 acres

No HOA

2964 TEDDY BEAR Trail, Overgaard, AZ 85933

Exit Realty Coannah

2 bed house at 583 S Woodland Lane, Pinetop

168 days on market

House for sale

$479,000

2 bds | 1 ba | 1,235 sqft | 0.57 acres

No HOA • Fireplace

583 S Woodland Lane, Pinetop, AZ 85935

Long Realty Covey Luxury Properties

2 bed manufactured home at 988 TIMBERLAND Road, Show Low

168 days on market

Manufactured home for sale

$535,000

2 bds | 2 ba | 2,357 sqft | 4.15 acres

Mountain views • Horses allowed • No HOA

988 TIMBERLAND Road, Show Low, AZ 85901

My Home Group Real Estate

3 bed house at TBD-PAR2 Jacks Lane, Pinetop

167 days on market

House for sale

$1,704,000

3 bds | 4 ba | 3,393 sqft | 3.2 acres

Wooded views • Horses allowed • No HOA

TBD-PAR2 Jacks Lane, Pinetop, AZ 85935

West USA Realty

2 bed house at 1053 POND Circle, Forest Lakes

191 days on market

House for sale

$379,000

2 bds | 1 ba | 720 sqft | 1.06 acres

Wooded views • Horses allowed • No HOA

1053 POND Circle, Forest Lakes, AZ 85931

Mountain Retreat Realty Expert

3 bed house at 375 INDIAN CLIFFS Road, Sedona

203 days on market

House for sale

$949,000

3 bds | 2 ba | 1,944 sqft | 0.23 acres

Mountain views • No HOA • 2-car garage

375 INDIAN CLIFFS Road, Sedona, AZ 86336

eXp Realty

6 bed house at 1662 E Mountain View Avenue, Flagstaff

169 days on market

House for sale

$1,389,000

6 bds | 4 ba | 2,952 sqft | 0.21 acres

Mountain views • No HOA • Basement

1662 E Mountain View Avenue, Flagstaff, AZ 86004

eXp Realty

6 bed house at 2875 S Timber Pine Lane, Pinetop

218 days on market

House for sale

$2,260,000

6 bds | 7 ba | 7,619 sqft | 2.03 acres

Wooded views • Horses allowed • No HOA

2875 S Timber Pine Lane, Pinetop, AZ 85935

Professional Real Estate Negotiators

3 bed house at 6325 GARDENIA Lane, Show Low

241 days on market

House for sale

$739,000

3 bds | 3 ba | 1,790 sqft | 2.83 acres

Panoramic views • Horses allowed • No HOA

6325 GARDENIA Lane, Show Low, AZ 85901

Mountain Retreat Realty Expert

4 bed house at 35 GASSAWAY Place, Sedona

188 days on market

House for sale

$15,000,000

4 bds | 3 ba | 3,772 sqft | 4.69 acres

Creek view • No HOA • Fireplace

35 GASSAWAY Place, Sedona, AZ 86336

Posterity 44 LLC

3 bed house at 138 W Skylark Road, Pinetop

276 days on market

House for sale

$494,350

3 bds | 2 ba | 1,527 sqft | 0.29 acres

Horses allowed • No HOA • 2-car garage

138 W Skylark Road, Pinetop, AZ 85935

Balboa Realty, LLC

3 bed house at 1442 Winter Pine Lane, Lakeside

279 days on market

House for sale

$499,000

3 bds | 2 ba | 1,600 sqft | 1 acres

Horses allowed • No HOA • Fireplace

1442 Winter Pine Lane, Lakeside, AZ 85929

Advantage Realty Professionals

3 bed house at 8230 Koch Field Road, Flagstaff

325 days on market

House for sale

$850,000

3 bds | 3 ba | 2,701 sqft | 2.36 acres

Mountain views • Horses allowed • No HOA

8230 Koch Field Road, Flagstaff, AZ 86004

eXp Realty

5 bed house at 110 SugarLoaf Drive, Sedona

343 days on market

House for sale

$3,400,000

5 bds | 4 ba | 3,363 sqft | 0.64 acres

Creek view • No HOA • 3-car garage

110 SugarLoaf Drive, Sedona, AZ 86336

eXp Realty

420 days on market

House for sale

$1,300,000

3 bds | 3 ba | 3,200 sqft | 5 acres

Horses allowed • No HOA • 3-car garage

9 N3479, Vernon, AZ 85940

West USA Realty

420 days on market

House for sale

$960,000

3 bds | 3 ba | 2,500 sqft | 4 acres

Mountain views • Horses allowed • No HOA

5 N3479, Vernon, AZ 85940

West USA Realty

420 days on market

House for sale

$1,307,000

3 bds | 3 ba | 3,200 sqft | 5 acres

Mountain views • Horses allowed • No HOA

15 N3479, Vernon, AZ 85940

West USA Realty

430 days on market

House for sale

$825,000

3 bds | 3 ba | 2,482 sqft | 10 acres

Mountain views • Horses allowed • No HOA

61 N3062, Vernon, AZ 85940

Lori Blank & Associates, LLC

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: 2,066 for sale and 232 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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