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City · 76,445 residents · Coconino County, Arizona

Flagstaff , Arizona

In Flagstaff, a typical home is worth $552,900 and typical rent is $1,645 a month. Compared with all of Coconino County, the typical home value is 23% higher, typical rent is 12% higher, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $552,900

    23% above the county

    40% above Arizona

    • Flagstaff
    • Coconino
    • Arizona

  • Typical rent

    $1,645a month

    12% above the county

    7% above Arizona

    • Flagstaff
    • Coconino
    • Arizona

  • Typical household income

    $71,512a year

    About the same as the county

    11% below Arizona

    • Flagstaff
    • Coconino
    • Arizona

  • Households that own their home

    42%

    17 points below the county

    25 points below Arizona

    • Flagstaff
    • Coconino
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$650,175
about the same as 12 months ago
Typical rent
$2,128 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Flagstaff is in Coconino County. The FHA loan limit ($609,500 for a one-unit home), the fair market rents and the help on this page are those of all of Coconino County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Flagstaff apart

What this place has that others do not, from public data, most unusual first.

  1. Flagstaff has the 2nd lowest homeownership rate of the 94 cities in Arizona with more than 5,000 people (42%).

  2. Nearby, in Cottonwood, the typical home value is $324,100: 41% less than in Flagstaff ($552,900).

  3. Nearby, in Cottonwood, the typical rent is $1,120: 32% less than in Flagstaff ($1,645).

  4. The typical home in Flagstaff is worth $552,900, 23% more than in Coconino County as a whole ($448,000).

  5. 5% of households in Flagstaff have no internet at home (11% in Coconino County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Flagstaff

What homes there are in Flagstaff, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in Flagstaff; the largest group, detached houses, adds up to 43%, less than in Coconino County (59%).

Year built

By age, homes in Flagstaff look like those in Coconino County: the typical year built is 1992.

In Flagstaff, 19% of homes have 1 bedroom or none (studios); 56% have 3 bedrooms or more, against 59% in Coconino County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

About 55% of rented homes in Flagstaff cost less than HUD's 2-bedroom fair market rent for Coconino County ($1,729); the rest cost more.

With a mortgage

$1,999 a month

Coconino County: $1,936 a month

Without a mortgage

$578 a month

Coconino County: $457 a month

Owners with a mortgage

65%

Coconino County: 51%

In Flagstaff, 65% of owners have a mortgage; their typical cost is $1,999 a month, about the same as in Coconino County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Coconino County, the typical home value in Flagstaff rose 57% since 2015–2019.

The typical rent in Flagstaff rose 30% over the same time; in Coconino County, it rose 25%.

Housing prices ran ahead of income in Flagstaff: typical income rose 22%, against +57% for home values and +30% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFlagstaffCoconino CountyArizonaUnited States
Rental vacancy 4.9%5.6%5.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 5.0%7.0%4.3%3.4%
People per household 2.262.382.532.53
Drive alone 62%65%67%69%
Carpool 10%11%10%9%
Public transit 2%2%1%3%
Walk or bike 11%9%2%3%
Work from home 13%13%18%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Flagstaff, the rental vacancy rate is 4.9%, about the same as in Coconino County.

More than one person per room: that is how 5.0% of households in Flagstaff live, less than in Coconino County (7.0%).

Households in Flagstaff are smaller: 2.26 people on average; in Coconino County, 2.38.

The car rules in Flagstaff: 62% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Flagstaff?

A typical home costs more than the typical income allows

We start with a typical home in Flagstaff, worth $552,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in Flagstaff, which is $71,512 a year. For that payment to be 28% of income, a household would need to earn about $185,670 a year.

The calculator's FHA and conventional loan limits are those of all of Coconino County.

Your numbers

Local data
$

Starts at the typical home value in Flagstaff. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $19,352 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,332

at 7.18% · 30 years

Loan amount
$542,885
Total interest
$781,084
Paid off in
November 2056

Includes $9,337 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,669 a month

  • Tight

    $1,669 to $2,145 a month

  • Hard

    more than $2,145 a month

    Your payment · 73%

Compared with the typical household income in Flagstaff ($71,512 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,332
Principal & interest$3,678
Property tax$180
Home insurance$230
FHA mortgage insurance (MIP)$245

You need at least $19,352 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Flagstaff and Coconino County

Flagstaff is in Coconino County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Flagstaff's own numbers

Typical home value
$552,900
Typical monthly rent
$1,645
Typical yearly household income
$71,512
Households that own their home
42%
Effective property tax rate
0.39%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Coconino County

FHA limit, one-unit home
$609,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,729
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Coconino County.

Everything about Coconino County

Buying

Buying a home in Flagstaff

A typical home in Flagstaff is worth $552,900: 23% above the county and 40% above Arizona. With the typical household income in Flagstaff ($71,512 a year), a typical home costs 7.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Flagstaff 7.7 years
  • Coconino 6.1 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coconino County

According to FHFA’s house price index, home prices in Coconino County rose 116% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Coconino County.

Period County Arizona U.S.
Last year (2025) +2.3% +0.9% +2.9%
5 years (2020–2025) +62% +55% +47%
10 years (2015–2025) +116% +119% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Flagstaff next to Coconino County, Arizona and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Flagstaff $552,900
  • Coconino $448,000
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Flagstaff $1,645
  • Coconino $1,473
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Flagstaff $71,512
  • Coconino $72,966
  • Arizona $79,964
  • United States $80,734
See the full table
Flagstaff next to Coconino County and Arizona
Measure Flagstaff Coconino County Arizona U.S.
Typical home value $552,900 $448,000 $394,500 $332,700
Typical monthly rent $1,645 $1,473 $1,543 $1,413
Typical yearly household income $71,512 $72,966 $79,964 $80,734
Households that own their home 42% 60% 67% 65%
Typical yearly property tax $2,181 $2,051 $1,879 $3,119
Effective property tax rate 0.39% 0.46% 0.48% 0.94%
Renters with high rent for their income 58% 52% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Coconino County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Flagstaff

For a typical $552,900 home in Flagstaff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Flagstaff's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,332a month

    Least cash to close
    Down payment
    $19,352
    Cash to close
    $35,939
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $245

  • Conventional, 5% down $4,231a month

    Down payment
    $27,645
    Cash to close
    $44,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $263

  • Conventional, 20% down, no PMI $3,406a month

    Down payment
    $110,580
    Cash to close
    $127,167
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,918a month

    Down payment
    $82,935
    Cash to close
    $99,522
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Flagstaff and for Coconino County.

Property tax

Effective rate in Flagstaff

0.39%of the home’s value each year

$2,181 a year for the typical owner in Flagstaff.

  • Flagstaff 0.39%
  • Coconino 0.46%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Coconino County

FEMA does not publish these numbers by city: they are for all of Coconino County.

Homes in the high-risk zone
2%
1,073
Of those, with NFIP insurance
30%
County Arizona U.S.
Homes in the high-risk zone 2% 2.2% 3.5%
Of those, with NFIP insurance 30% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Flagstaff

Typical rent in Flagstaff is $1,645 a month: 12% above the county. In Flagstaff, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coconino County, by unit size. To pay the 2-bedroom one ($1,729 a month) without spending more than 30% of your income, you would need to earn $33.25 an hour working full time.

HUD fair market rent for all of Coconino County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,438 $27.65 $57,520
1 bedroom $1,555 $29.90 $62,200
2 bedrooms $1,729 $33.25 $69,160
3 bedrooms $2,109 $40.56 $84,360
4 bedrooms $2,312 $44.46 $92,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Flagstaff

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Flagstaff has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,750 in 86005 to $1,950 in 86011.

4 of the 4 are above the fair market rent for Coconino County ($1,729).

  • 86001 $1,950$2,420
  • 86004 $1,860$2,310
  • 86005 $1,750$2,160
  • 86011 $1,950$2,420

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Flagstaff when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Flagstaff

HUD lists 17 buildings with rents for lower incomes in Flagstaff. These are the largest.

  • Brannen Homes 11 S Brannen Cir, Flagstaff 86001 137 low-income homes · Run by Flagstaff Housing Authority · Average payment: $655 a month · Average wait: 60 months (928) 213-2745
  • Siler Homes 1819 N Main St, Flagstaff 86004 128 low-income homes · Run by Flagstaff Housing Authority · Average payment: $697 a month · Average wait: 110 months (928) 213-2745
  • Village at Lake Mary Crossing 3400 Lake Mary Rd, Flagstaff 86005 125 homes, 124 low-income · 1 bd: 48 · 2 bd: 32 · 4 bd: 44 · In service since 1996
  • Pinehurst at Flagstaff 1001 N 4th St, Flagstaff 86004 84 low-income homes · 2 bd: 24 · 3 bd: 48 · 4 bd: 12 · In service since 2006 · For families
  • Cedar Crest Apartments 2251 N Izabel St, Flagstaff 86004 81 homes, 80 low-income · 2 bd: 50 · 3 bd: 31 · In service since 2016 · For families

See all 23 buildings in Coconino County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Flagstaff

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Coconino County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Flagstaff

No down payment, repair or rent-help program on our list is for Flagstaff or Coconino County. The ones below are statewide in Arizona: they work in Flagstaff the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years. Offered by Arizona Industrial Development Authority (Arizona IDA).

    ForgivableDeferred

    See the program Official page

Housing counselors near Flagstaff

The HUD-approved agencies closest to the center of Flagstaff, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Solutions of Northern Arizona, Inc

    1500 E Cedar Ave Ste 86, Flagstaff · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (928) 214-7456

  • Take Charge America

    20430 N 19th Ave, Phoenix · 108 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (866) 987-2008

  • Take Charge America- El Centro

    20430 N 19th Ave, Phoenix · 108 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 987-2008

Every agency in Coconino County All counseling agencies in Arizona

Help in Spanish near Flagstaff

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Flagstaff

HUD’s record names them for Flagstaff or Coconino County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Flagstaff Housing Authority Public housing and Section 8 vouchers (928) 213-2745

One other authority has an office in Coconino County: see the list Source: HUD

Cities

Other cities in Coconino County

These cities are also in Coconino County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Coconino County Housing in Arizona

Nearby cities

The cities closest to Flagstaff, with the typical home value.

Neighboring counties

If Coconino County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Flagstaff.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Flagstaff

Short answers with the numbers for Flagstaff and all of Coconino County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Flagstaff?

The typical home value in Flagstaff is $552,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coconino County it is $448,000.

How much does it cost to rent in Flagstaff?

Typical rent in Flagstaff is $1,645 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coconino County is $1,729.

What is the FHA loan limit in Flagstaff?

Flagstaff uses the FHA limit for all of Coconino County (2026): $609,500 for a one-unit home and $1,172,150 for a four-unit home.

How much property tax do owners pay in Flagstaff?

The typical homeowner in Flagstaff pays $2,181 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Coconino County, the rate is 0.46%.

Where can I find free help to buy or rent in Flagstaff?

There is 1 HUD-approved counseling agency with an office in Coconino County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).