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Navajo County/Show Low/85901

85901

ZIPSAFMR
Navajo County, AZ
Zillow

ZIP Investment Score

49Below average

095130300
BRFMR
Eff. Rent
0 BR$950$1,050
1 BR$1,030$1,130
2 BR$1,350$1,490
3 BR$1,670$1,840
4 BR$1,780$1,960
5 BR$2,047Not available
6 BR$2,354Not available
7 BR$2,707Not available
8 BR$3,113Not available

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,350
Market rent$1,800
Est. payment standard (110%)Used$1,490
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.55
1 BR
0.60
2 BR
0.75
3 BR
0.73
4 BR
0.74
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 85901 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 85901 (Show Low, AZ) is $1,350 a month. That is down 4.9% from $1,420 in FY 2026. Show Low is in the Navajo County, AZ non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,264. Among 26 ZIP codes in Navajo County, 85901 has the 11th-highest two-bedroom rent (county range $1,180–$1,750). The median county two-bedroom FMR in Arizona is $1,244, so ZIP 85901 is 9% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 85901
BedroomsFY 2027Change90–110% range
Studio$950−6.9%$855–$1,045
1BR$1,030−7.2%$927–$1,133
2BR$1,350−4.9%$1,215–$1,485
3BR$1,670−5.1%$1,503–$1,837
4BR$1,780−5.3%$1,602–$1,958

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 85901
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$950$1,030$1,350$1,670$1,780
FY 2026$1,020$1,110$1,420$1,760$1,880
FY 2025$1,100$1,170$1,530$1,890$2,030
FY 2024area FMR$856$906$1,190$1,509$1,585
FY 2023area FMR$722$788$1,037$1,336$1,393

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Navajo County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 85901
85901Current$1,350—
85902$1,200−11.1%
85911$1,180−12.6%
85912$1,440+6.7%
85923$1,260−6.7%
85926$1,180−12.6%
85928$1,730+28.1%
85929$1,390+3.0%
85933$1,180−12.6%
85934$1,260−6.7%
85935$1,420+5.2%
85937$1,750+29.6%

Questions about ZIP 85901 rents

How much will Section 8 pay for a two-bedroom in ZIP 85901?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,264, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,138 to $1,390 a month; under the ZIP-level Small Area FMR of $1,350 it would be $1,215 to $1,485. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 85901 in?

ZIP 85901 is in the Navajo County, AZ non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,264.

How much did fair market rent change in ZIP 85901 for FY 2027?

The two-bedroom FMR fell 4.9%, from $1,420 in FY 2026 to $1,350 in FY 2027. Since FY 2025 it has fallen 11.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentShow Low, AZ fair market rentAZ statewide rentsWhat is SAFMR?Data sources