Español

Este sitio también está en español. Leer en español

City · 6,444 residents · Navajo County, Arizona

Snowflake , Arizona

In Snowflake, a typical home is worth $271,800 and typical rent is $1,350 a month. Compared with all of Navajo County, typical rent is 57% higher, typical household income is 39% higher, and the share of households that own their home is 10 points higher.

WhatsApp

  • Typical home value

    $271,800

    35% above the county

    31% below Arizona

    • Snowflake
    • Navajo
    • Arizona

  • Typical rent

    $1,350a month

    57% above the county

    13% below Arizona

    • Snowflake
    • Navajo
    • Arizona

  • Typical household income

    $76,174a year

    39% above the county

    5% below Arizona

    • Snowflake
    • Navajo
    • Arizona

  • Households that own their home

    84%

    10 points above the county

    16 points above Arizona

    • Snowflake
    • Navajo
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$337,299
about the same as 12 months ago

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

Snowflake 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 Snowflake apart

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

  1. The typical rent in Snowflake is $1,350 a month, 57% more than in Navajo County as a whole ($858).

  2. Nearby, in Winslow, the typical home value is $167,600: 38% less than in Snowflake ($271,800).

  3. Nearby, in Globe, the typical rent is $858: 36% less than in Snowflake ($1,350).

  4. The typical household income in Snowflake is $76,174, 39% more than in Navajo County as a whole ($54,606).

  5. The typical home in Snowflake is worth $271,800, 35% more than in Navajo County as a whole ($201,500).

  6. 84% of households in Snowflake own their home, against 73% in Navajo County.

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

The homes here

Housing in Snowflake

What homes there are in Snowflake, 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

In Snowflake, 9 in 10 homes are single-family detached houses; in Navajo County, 7.

Year built

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

With a mortgage

$1,532 a month

Navajo County: $1,366 a month

Without a mortgage

$448 a month

Navajo County: $353 a month

Owners with a mortgage

56%

Navajo County: 34%

In Snowflake, 56% of owners have a mortgage, and their typical cost is $1,532 a month, against $1,366 in Navajo County. Without one it drops to $448.

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

The typical home value in Snowflake rose 66% since 2015–2019, more than in Navajo County (60%).

Rents in Snowflake rose faster than in Navajo County: 88% since 2015–2019, against 19%.

The typical household income in Snowflake rose 61%: less than home values (+66%) and rent (+88%).

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

MeasureSnowflakeNavajo 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 3.592.642.532.53
Drive alone 86%77%67%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home Unreliable estimate9%18%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Snowflake has 3.59 people, more than in Navajo County (2.64).

To get to work, 86% of workers in Snowflake drive alone; in Navajo County, 77%.

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 Snowflake?

A typical home is tight for the typical income

We start with a typical home in Snowflake, worth $271,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Snowflake, which is $76,174 a year. For that payment to be 28% of income, a household would need to earn about $91,177 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 Snowflake. 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 $9,513 (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

$2,127

at 7.18% · 30 years

Loan amount
$266,877
Total interest
$383,973
Paid off in
November 2056

Includes $4,590 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,777 a month

  • Tight

    $1,777 to $2,285 a month

    Your payment · 34%

  • Hard

    more than $2,285 a month

Compared with the typical household income in Snowflake ($76,174 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,127
Principal & interest$1,808
Property tax$86
Home insurance$113
FHA mortgage insurance (MIP)$120

You need at least $9,513 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

Snowflake and Navajo County

Snowflake 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).

Snowflake's own numbers

Typical home value
$271,800
Typical monthly rent
$1,350
Typical yearly household income
$76,174
Households that own their home
84%
Effective property tax rate
0.38%

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 Snowflake

A typical home in Snowflake is worth $271,800: 35% above the county and 31% below Arizona. With the typical household income in Snowflake ($76,174 a year), a typical home costs 3.6 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.

  • Snowflake 3.6 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

Snowflake 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
  • Snowflake $271,800
  • Navajo $201,500
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Snowflake $1,350
  • Navajo $858
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Snowflake $76,174
  • Navajo $54,606
  • Arizona $79,964
  • United States $80,734
See the full table
Snowflake next to Navajo County and Arizona
Measure Snowflake Navajo County Arizona U.S.
Typical home value $271,800 $201,500 $394,500 $332,700
Typical monthly rent $1,350 $858 $1,543 $1,413
Typical yearly household income $76,174 $54,606 $79,964 $80,734
Households that own their home 84% 73% 67% 65%
Typical yearly property tax $1,046 $1,195 $1,879 $3,119
Effective property tax rate 0.38% 0.59% 0.48% 0.94%

“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 Snowflake

For a typical $271,800 home in Snowflake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Snowflake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,127a month

    Least cash to close
    Down payment
    $9,513
    Cash to close
    $17,667
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $120

  • Conventional, 5% down $2,078a month

    Down payment
    $13,590
    Cash to close
    $21,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $129

  • Conventional, 20% down, no PMI $1,672a month

    Down payment
    $54,360
    Cash to close
    $62,514
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,924a month

    Down payment
    $40,770
    Cash to close
    $48,924
    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 Snowflake and for Navajo County.

Property tax

Effective rate in Snowflake

0.38%of the home’s value each year

$1,046 a year for the typical owner in Snowflake.

  • Snowflake 0.38%
  • 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 Snowflake

Typical rent in Snowflake is $1,350 a month: 57% above the county.

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 Snowflake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Snowflake is in ZIP code 85937.

For 2 bedrooms it is $1,750: $486 more than the fair market rent for Navajo County ($1,264).

  • 85937 $1,750$2,170

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

HUD lists one building with rents for lower incomes in Snowflake.

  • Fairway Manor Apts 2225 W Lyon Crest Rd, Snowflake 85937 60 homes, 53 low-income · 2 bd: 30 · 3 bd: 30 · In service since 2007

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

Free help

Help to buy or rent in Snowflake

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 shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Snowflake

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

The HUD-approved agencies closest to the center of Snowflake, 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 · 99 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 · 126 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 · 129 miles away · Spanish

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

All counseling agencies in Arizona

Help in Spanish near Snowflake

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 Snowflake

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

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Snowflake

Short answers with the numbers for Snowflake 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 Snowflake?

The typical home value in Snowflake is $271,800, 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 Snowflake?

Typical rent in Snowflake is $1,350 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 Snowflake?

Snowflake 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 Snowflake?

The typical homeowner in Snowflake pays $1,046 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Navajo County, the rate is 0.59%.

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

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).