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 2,300 listings of homes with no HOA in Arizona High Country: 2,068 for sale and 232 pending or under contract. 66 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.

Price

Min – Max

Rooms

Bedrooms

Bathrooms

Arizona High Country Homes for Sale with No HOA

2,300 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.

2,300 listings

Sort:

Land at TBD ACR N3263 Parcel 1 034, Vernon

179 days on market

Land for sale

$77,000

4.98 acres | $15,462/acre

Horses allowed • No HOA

TBD ACR N3263 Parcel 1 034, Vernon, AZ 85940

HomeSmart

180 days on market

Land for sale

$79,000

0.87 acres | $90,805/acre

Horses allowed • No HOA

TBD Cedar Bark Trail, Overgaard, AZ 85933

Mountain Retreat Realty Experts, LLC - Lakeside

180 days on market

Land for sale

$79,000

0.88 acres | $89,773/acre

Horses allowed • No HOA

TBD Cedar Bark Trail, Overgaard, AZ 85933

Mountain Retreat Realty Experts, LLC - Lakeside

180 days on market

Land for sale

$79,000

0.87 acres | $90,805/acre

Horses allowed • No HOA

TBD Cedar Bark Trail, Overgaard, AZ 85933

Mountain Retreat Realty Experts, LLC - Lakeside

180 days on market

Land for sale

$79,000

0.88 acres | $89,773/acre

Horses allowed • No HOA

TBD Cedar Bark Trail, Overgaard, AZ 85933

Mountain Retreat Realty Experts, LLC - Lakeside

Land at TBD N Mountain Highlands Boulevard, Snowflake

199 days on market

Land for sale

$188,000

37.9 acres | $4,960/acre

Waterfront • Panoramic views • Horses allowed

TBD N Mountain Highlands Boulevard, Snowflake, AZ 85937

Sundance Real Estate LLC

722 days on market

Land for sale

$69,995

2.82 acres | $24,821/acre

Waterfront • Horses allowed • No HOA

314 County Road 2108, Nutrioso, AZ 85932

Elk Country Realty LLC

Land at 9317 BITTERSWEET Lane 50, Show Low

213 days on market

Land for sale

$49,000

40.86 acres | $1,199/acre

Panoramic views • Horses allowed • No HOA

9317 BITTERSWEET Lane 50, Show Low, AZ 85901

Berkshire Hathaway HomeServices Arizona Properties

Not seeing it?

Your dream home

You tell us

Your beds | your baths | your view

Anywhere in the High Country, AZ

Found for you by Teri & Jenny · West USA Realty

Tell us

Land at Lot 4 N Pine Hollow Trail 4, Pine

336 days on market

Land for sale

$139,000

1.25 acres | $111,200/acre

Water service • No HOA

Lot 4 N Pine Hollow Trail 4, Pine, AZ 85544

My Home Group Real Estate

3 bed manufactured home at 301 N Budweiser Circle, Payson

321 days on market

Manufactured home for sale

$299,900

3 bds | 2 ba | 1,770 sqft | 0.29 acres

No HOA

301 N Budweiser Circle, Payson, AZ 85541

A.T. Meridian Real Estate

187 days on market

Land for sale

$14,500

0.23 acres | $63,043/acre

Electric available • No HOA

8333 Ridge Drive, Show Low, AZ 85901

West USA Realty - Show Low

Land at 22 County Road 3048 Road, Concho

259 days on market

Land for sale

$40,000

3.33 acres | $12,012/acre

No HOA

22 County Road 3048 Road, Concho, AZ 85924

Realty Executives Arizona Territory - Show Low

Land at 9681 E Concho Highway, Snowflake

253 days on market

Land for sale

$104,900

2.29 acres | $45,808/acre

Panoramic views • Electric available • Well

9681 E Concho Highway, Snowflake, AZ 85937

SEI Real Estate Professionals - Snowflake

190 days on market

Land for sale

$24,900

2.24 acres | $11,116/acre

Panoramic views • Electric available • Horses allowed

4533 Appaloosa Road, Snowflake, AZ 85937

SEI Real Estate Professionals - Snowflake

387 days on market

Land for sale

$12,886

4 acres | $3,222/acre

Horses allowed • No HOA

27 N 9204, Concho, AZ 85924

Congress Realty

638 days on market

Land for sale

$22,000

10 acres | $2,200/acre

Horses allowed • No HOA

9645 Texas Lane, Show Low, AZ 85901

Congress Realty

279 days on market

House for sale

$625,000

4 bds | 2 ba | 2,148 sqft | 0.28 acres

Mountain views • No HOA

443 W Neal, Payson, AZ 85541

Schreiner Realty

188 days on market

Land for sale

$1,500,000

26.67 acres | $56,243/acre

Waterfront • Electric available • Horses allowed

950 Birdsong Way, Lakeside, AZ 85929

Realty Executives Arizona Territory - Show Low

532 days on market

Land for sale

$12,000

1.13 acres | $10,619/acre

Horses allowed • No HOA

4253 Clydesdale Road, Snowflake, AZ 85937

White Mountain Realty

514 days on market

Land for sale

$2,150,000

161.22 acres | $13,336/acre

Panoramic views • No HOA

0 Espee Road -, Williams, AZ 86046

Realty Economic Advisors, LLC

3 bed house at 1100 S Kinzer Court, Payson

Pending

House for sale

$889,000

3 bds | 2 ba | 2,017 sqft | 0.32 acres

New construction • Mountain views • No HOA

1100 S Kinzer Court, Payson, AZ 85541

INTEGRA HOMES AND LAND - A

190 days on market

Land for sale

$16,000

1.12 acres | $14,286/acre

Horses allowed • No HOA

4445 E Pinto Road, Snowflake, AZ 85937

White Mountain Realty

191 days on market

Land for sale

$14,000

2.52 acres | $5,556/acre

Horses allowed • No HOA

5195 Tina Road, Snowflake, AZ 85937

White Mountain Realty

921 days on market

Land for sale

$18,000

1.11 acres | $16,216/acre

Panoramic views • Horses allowed • No HOA

1 Concho Valley, Concho, AZ 85924

Realty Executives Arizona Territory - Snowflake

197 days on market

Land for sale

$124,900

1 acres | $124,900/acre

Electric available • No HOA

9 N1064, Greer, AZ 85927

Greer Land & Investments, LLC

191 days on market

For sale

$419,999

2,348 sqft | 0.25 acres

No HOA

810 S MCLANE Road, Payson, AZ 85541

Better Homes & Gardens Real Estate SJ Fowler

2 bed manufactured home at 2224 Daisy Trail, Forest Lakes

192 days on market

Manufactured home for sale

$350,000

2 bds | 1 ba | 368 sqft | 1.01 acres

Wooded views • Horses allowed • No HOA

2224 Daisy Trail, Forest Lakes, AZ 85931

Real Estate Brokers Intl

192 days on market

Land for sale

$59,900

38.69 acres | $1,548/acre

Horses allowed • No HOA

32 N8544 398, Concho, AZ 85924

West USA Realty

236 days on market

Land for sale

$99,000

1.95 acres | $50,769/acre

Electric available • Horses allowed • No HOA

TBD N3114, Vernon, AZ 85940

Realty Executives Arizona Territory - Pinetop

1639 days on market

Land for sale

$317,700

3.53 acres | $90,000/acre

Electric available • No HOA

2081 Forest Park, Overgaard, AZ 85933

Realty Executives Arizona Territory - Snowflake

304 days on market

House for sale

$925,000

5 bds | 5 ba | 3,494 sqft | 3.68 acres

Panoramic views • Horses allowed • No HOA

327 W 4Th Street, Eagar, AZ 85925

Real Broker

193 days on market

Land for sale

$20,000

1.03 acres | $19,417/acre

No HOA

TBD County Rd 5074 1, Concho, AZ 85924

Real Broker

195 days on market

Land for sale

$75,000

36.55 acres | $2,052/acre

Panoramic views • Well • Horses allowed

98 N9222, Concho, AZ 85924

Realty Executives Arizona Territory - Snowflake

Land at 8318 Bear Meadow Drive, Show Low

Pending

Land for sale

$19,900

0.23 acres | $86,522/acre

Electric available • Horses allowed • No HOA

8318 Bear Meadow Drive, Show Low, AZ 85901

West USA Realty - Show Low

574 days on market

Land for sale

$18,000

1.01 acres | $17,822/acre

Electric available • Horses allowed • No HOA

35 Burns Road, Concho, AZ 85924

White Mountain Realty

580 days on market

Land for sale

$17,500

1.04 acres | $16,827/acre

Horses allowed • No HOA

36 N 3321, Vernon, AZ 85940

White Mountain Realty

Land at 3978 Dia Estrella Road, Snowflake

560 days on market

Land for sale

$25,000

8.8 acres | $2,841/acre

Horses allowed • No HOA

3978 Dia Estrella Road, Snowflake, AZ 85937

White Mountain Realty

197 days on market

Land for sale

$175,000

1.25 acres | $140,000/acre

Panoramic views • No HOA

5222 HIGH Drive 9, Lakeside, AZ 85929

Advantage Realty Professionals

282 days on market

Land for sale

$480,000

6 acres | $80,000/acre

Horses allowed • No HOA

TBD Hi Joe Road, Lakeside, AZ 85929

Frank M. Smith & Associates - Main

1142 days on market

Land for sale

$134,900

2.5 acres | $53,960/acre

Electric available • Well • Horses allowed

13 N2151, Alpine, AZ 85920

Greer Land & Investments, 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 $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 2,300 listings of homes with no HOA in Arizona High Country: 2,068 for sale and 232 pending or under contract. 66 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

Like what you see?