Is Navajo County, AZ good for real estate investing?

Navajo County has an investment score of 49/100, rated as "Hold". The county ranks #617 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Navajo?

The rent-to-price ratio in Navajo County is 4.89% annually, which ranks in the 21th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Navajo?

The median home price in Navajo County is $398,903. This ranks #865 in affordability among all US counties.

Can you cash flow on rental properties in Navajo?

Based on median values with 20% down at current rates, a typical rental in Navajo County would generate negative cash flow of $1,036/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Navajo County

ArizonaPopulation: 107,110

/100

Hold

#617 of 1,000 counties

#6 in Arizona (15 counties)

Analysis by RentalCalcs ResearchIndependent data + algorithm-driven scoring

Updated August 31, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$398,903

Median Home Price

74% above national median

$1,624/mo

Median Rent

12% above national median

4.89%

Rent-to-Price Ratio

Top 79% nationally

-$1,036

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Scenario comparison

Same $1,624/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.

Scenario	Purchase price	Monthly cash flow	Cap rate	Cash-on-cash
75% of median value-add or distressed	$299,177	-$513/mo	4.2%	-8.9%
Median typical MLS deal	$398,903	-$1,036/mo	3.2%	-13.6%
125% of median newer / premium	$498,628	-$1,559/mo	2.5%	-16.3%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$398,903

Down Payment (20%)$79,781

Loan Amount$319,122

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,624

Monthly P&I-$2,091

Est. Expenses (35%)-$569

Net Cash Flow-$1,036/mo

3.2%

Cap Rate (all cash)

-13.6%

Cash-on-Cash Return

4.89%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

49/100

Cash Flow(30%)

43/100

Based on 4.89% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

57/100

Based on 0.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

45/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (4.89%)
-Negative cash flow at typical financing (-$1,036/mo)
-Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population

107,110

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Who this market fits

Best for

+All-cash buyers: removing debt service flips the cap rate to actual yield

Skip if

−You need positive cash flow on day one at typical leverage
−You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

County					Verdict
La PazAZ	55	$264,493	Est. pending	—	Hold	View
PinalAZ	50	$364,073	$1,847	6.09%	Hold	View
CurrentNavajoAZ	49	$398,903	$1,624	4.89%	Hold
MohaveAZ	47	$344,368	$1,573	5.48%	Hold	View
PimaAZ	46	$339,306	$1,510	5.34%	Hold	View
GreenleeAZ	44	$156,689	Est. pending	—	Avoid	View

The Bottom Line

HoldNavajo is a neutral market. Consider house hacking or targeting below-market deals.

Navajo County in Arizona scores 49/100, ranking #617 of 1,000 US counties (top 79%). At 20% down and current rates, a median-priced rental loses about $1036/month; the 4.89% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow

$-1,036/mo

Cap Rate

3.2%

Cash-on-Cash

-13.6%