Compare Navajo, AZ mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Navajo.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Navajo. Plus, shopping lenders is free and there is no obligation.
August 17, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Navajo. Understand how much you need to earn to afford a home in Navajo, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Navajo fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Navajo is right for you.
The median home value for Navajo, AZ is $185,104
Based on current mortgage rates and a 10% down payment, you need to make $38,616 per year to buy the median priced home in Navajo
With this income, you could qualify for a $166,594 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Navajo is $894
The median household income for Navajo, AZ is $50,171
Based on this income, you can afford a home valued at approximately $240,494
The home price you can afford to buy based on household income in Navajo is 130% of the median home value which means housing prices are average. Navajo ranks 7 out of 15 counties in Arizona and 2,327 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Navajo, AZ is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Navajo below.
Conforming loan limits for Navajo, AZ
FHA loan limits for Navajo, AZ