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City · 12,102 residents · Navajo County, Arizona

Show Low , Arizona

In Show Low, a typical home is worth $299,600 and typical rent is $1,110 a month. Compared with all of Navajo County, the typical home value is 49% higher, typical rent is 29% higher, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $299,600

    49% above the county

    24% below Arizona

    • Show Low
    • Navajo
    • Arizona

  • Typical rent

    $1,110a month

    29% above the county

    28% below Arizona

    • Show Low
    • Navajo
    • Arizona

  • Typical household income

    $60,368a year

    11% above the county

    25% below Arizona

    • Show Low
    • Navajo
    • Arizona

  • Households that own their home

    66%

    8 points below the county

    2 points below Arizona

    • Show Low
    • Navajo
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$437,091
0.9% more than 12 months ago
Typical rent
$1,962 a month

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

Show Low is in Navajo County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Navajo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Show Low apart

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

  1. Nearby, in Winslow, the typical home value is $167,600: 44% less than in Show Low ($299,600).

  2. The typical home in Show Low is worth $299,600, 49% more than in Navajo County as a whole ($201,500).

  3. The typical rent in Show Low is $1,110 a month, 29% more than in Navajo County as a whole ($858).

  4. Nearby, in Globe, the typical rent is $858: 23% less than in Show Low ($1,110).

  5. 8% of households in Show Low have no internet at home (21% in Navajo County).

  6. 66% of households in Show Low own their home, against 73% in Navajo County.

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

The homes here

Housing in Show Low

What homes there are in Show Low, 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

Detached houses are the majority in Show Low (59%), but less so than in Navajo County (71%).

There are more mobile homes here than in Navajo County: 24% of homes, against 19%.

Year built

The typical home in Show Low was built in 1997, 8 years after the typical one in Navajo 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

The FHA loan limit for Navajo County is $541,287, and about 79% of owner-occupied homes in Show Low are worth less than that.

Monthly rent with utilities

With a mortgage

$1,505 a month

Navajo County: $1,366 a month

Without a mortgage

$449 a month

Navajo County: $353 a month

Owners with a mortgage

42%

Navajo County: 34%

The typical cost for an owner with a mortgage in Show Low is $1,505 a month, more than in Navajo County ($1,366); without one, $449.

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

Since 2015–2019, homes in Show Low gained value faster than in Navajo County: 75% against 60%.

Much as in Navajo County, the typical rent in Show Low rose 19% since 2015–2019.

While home values in Show Low changed +75% and rent +19%, the typical household income rose 30%.

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

MeasureShow LowNavajo CountyArizonaUnited States
Rental vacancy Unreliable estimate4.1%5.8%5.5%
Homeowner vacancy Unreliable estimate1.4%1.0%0.9%
More than one person per room Unreliable estimate8.3%4.3%3.4%
People per household 2.362.642.532.53
Drive alone 76%77%67%69%
Carpool 14%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home 8%9%18%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Show Low are smaller: 2.36 people on average; in Navajo County, 2.64.

In Show Low, 14% of workers share a car to get to work; in Navajo County, 8%.

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 Show Low?

A typical home costs more than the typical income allows

We start with a typical home in Show Low, worth $299,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Show Low, which is $60,368 a year. For that payment to be 28% of income, a household would need to earn about $101,358 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Show Low. 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 $10,486 (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

$2,365

at 7.18% · 30 years

Loan amount
$294,173
Total interest
$423,247
Paid off in
November 2056

Includes $5,059 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,409 a month

  • Tight

    $1,409 to $1,811 a month

  • Hard

    more than $1,811 a month

    Your payment · 47%

Compared with the typical household income in Show Low ($60,368 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,365
Principal & interest$1,993
Property tax$115
Home insurance$125
FHA mortgage insurance (MIP)$133

You need at least $10,486 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

Show Low and Navajo County

Show Low is in Navajo 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).

Show Low's own numbers

Typical home value
$299,600
Typical monthly rent
$1,110
Typical yearly household income
$60,368
Households that own their home
66%
Effective property tax rate
0.46%

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

Numbers for all of Navajo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,264
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
3.8%

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 Navajo County.

Everything about Navajo County

Buying

Buying a home in Show Low

A typical home in Show Low is worth $299,600: 49% above the county and 24% below Arizona. With the typical household income in Show Low ($60,368 a year), a typical home costs 5.0 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.

  • Show Low 5.0 years
  • Navajo 3.7 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Navajo County

According to FHFA’s house price index, home prices in Navajo County rose 137% in the 10 years through 2025.

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

Period County Arizona U.S.
Last year (2025) +3.2% +0.9% +2.9%
5 years (2020–2025) +70% +55% +47%
10 years (2015–2025) +137% +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

Show Low next to Navajo 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
  • Show Low $299,600
  • Navajo $201,500
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Show Low $1,110
  • Navajo $858
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Show Low $60,368
  • Navajo $54,606
  • Arizona $79,964
  • United States $80,734
See the full table
Show Low next to Navajo County and Arizona
Measure Show Low Navajo County Arizona U.S.
Typical home value $299,600 $201,500 $394,500 $332,700
Typical monthly rent $1,110 $858 $1,543 $1,413
Typical yearly household income $60,368 $54,606 $79,964 $80,734
Households that own their home 66% 73% 67% 65%
Typical yearly property tax $1,391 $1,195 $1,879 $3,119
Effective property tax rate 0.46% 0.59% 0.48% 0.94%
Renters with high rent for their income 48% 35% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Navajo 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 Show Low

For a typical $299,600 home in Show Low, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Show Low's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,365a month

    Least cash to close
    Down payment
    $10,486
    Cash to close
    $19,474
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $133

  • Conventional, 5% down $2,310a month

    Down payment
    $14,980
    Cash to close
    $23,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $1,863a month

    Down payment
    $59,920
    Cash to close
    $68,908
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,140a month

    Down payment
    $44,940
    Cash to close
    $53,928
    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 Show Low and for Navajo County.

Property tax

Effective rate in Show Low

0.46%of the home’s value each year

$1,391 a year for the typical owner in Show Low.

  • Show Low 0.46%
  • Navajo 0.59%
  • 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 Navajo County

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

Homes in the high-risk zone
3.8%
2,098
Of those, with NFIP insurance
14%
County Arizona U.S.
Homes in the high-risk zone 3.8% 2.2% 3.5%
Of those, with NFIP insurance 14% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Show Low

Typical rent in Show Low is $1,110 a month: 29% above the county. In Show Low, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Navajo County, by unit size. To pay the 2-bedroom one ($1,264 a month) without spending more than 30% of your income, you would need to earn $24.31 an hour working full time.

HUD fair market rent for all of Navajo 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 $892 $17.15 $35,680
1 bedroom $966 $18.58 $38,640
2 bedrooms $1,264 $24.31 $50,560
3 bedrooms $1,567 $30.13 $62,680
4 bedrooms $1,661 $31.94 $66,440

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 Show Low

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Show Low is in ZIP code 85901.

For 2 bedrooms it is $1,350: $86 more than the fair market rent for Navajo County ($1,264).

  • 85901 $1,350$1,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Show Low 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 Show Low

HUD lists 8 buildings with rents for lower incomes in Show Low. These are the largest.

  • Timberstone Apts I 160 W Cooley St, Show Low 85901 80 low-income homes · 2 bd: 48 · 3 bd: 32 · In service since 2007
  • Mountain Park Apts 3060 E Show Low Lake Rd, Show Low 85901 72 low-income homes · 2 bd: 32 · 3 bd: 40 · In service since 2004
  • Timberstone Apts II 200 W Cooley St, Show Low 85901 56 low-income homes · 2 bd: 32 · 3 bd: 24 · In service since 2008
  • Ponderosa Meadows 250 N 16th Ave, Show Low 85901 40 low-income homes · 2 bd: 28 · 3 bd: 12 · In service since 1994
  • Grantree Apts 90 W Old Linden Rd, Show Low 85901 24 low-income homes · 1 bd: 4 · 2 bd: 20 · In service since 1993

See all 24 buildings in Navajo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Show Low

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.

We found no HUD-approved agencies with an office in Navajo County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Show Low

No down payment, repair or rent-help program on our list is for Show Low or Navajo County. The ones below are statewide in Arizona: they work in Show Low 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 Show Low

The HUD-approved agencies closest to the center of Show Low, 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 · 111 miles away · Spanish

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

  • Credit Advisors Foundation

    7525 E Camelback Rd, Scottsdale · 120 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (402) 514-3340

  • Newtown Community Development Corporation

    2106 E Apache Blvd, Tempe · 122 miles away · Spanish

    • Budget and financial counseling
    • Pre-purchase counseling
    (480) 517-1589

All counseling agencies in Arizona

Help in Spanish near Show Low

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 Show Low

In HUD’s record, no housing authority with an office in Navajo County is named for Show Low or Navajo County.

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

Cities

Other cities in Navajo County

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

Everything about Navajo County Housing in Arizona

Nearby cities

The cities closest to Show Low, with the typical home value.

Neighboring counties

If Navajo 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 Show Low.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Show Low

Short answers with the numbers for Show Low and all of Navajo 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 Show Low?

The typical home value in Show Low is $299,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Navajo County it is $201,500.

How much does it cost to rent in Show Low?

Typical rent in Show Low is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Navajo County is $1,264.

What is the FHA loan limit in Show Low?

Show Low uses the FHA limit for all of Navajo County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Show Low?

The typical homeowner in Show Low pays $1,391 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Navajo County, the rate is 0.59%.

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

We found no HUD-approved counseling agencies with an office in Navajo County; the nearest ones are on this page. 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).