Skip to main content
Loading page
AZ/Navajo County/85912

85912

ZIPSAFMR
Navajo County, AZ
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,010$1,010
1 BR$1,100$1,100
2 BR$1,440$1,440
3 BR$1,780$1,780
4 BR$1,890$1,890
5 BR$2,174Not available
6 BR$2,500Not available
7 BR$2,874Not available
8 BR$3,306Not available

Purchase Price Calculator

Maximum purchase price
$152,067

Cost breakdown

+Likely effective rent$1,440
HUD FMRUsed$1,440
Market rentN/A
Est. payment standardN/A
-Principal and interest-$769
Loan amount$121,654
Down payment$30,413
Rate6.50%
Term30 years
-Operating costs-$471
Property taxes-$152
Insurance-$175
Utilities$0
HOA$0
Management-$144
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,251(76.5% ROI)
Projected value
$163,759
Return breakdown
Property appreciation+$11,693
Loan principal paid down+$4,359
Rental cash flow+$7,200
5-year hold
+$39,755(130.7% ROI)
Projected value
$172,050
Return breakdown
Property appreciation+$19,983
Loan principal paid down+$7,772
Rental cash flow+$12,000
10-year hold
+$85,112(279.9% ROI)
Projected value
$194,659
Return breakdown
Property appreciation+$42,592
Loan principal paid down+$18,520
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 85912 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 85912 (Navajo County, AZ) is $1,440 a month. That is down 7.7% from $1,560 in FY 2026. Navajo County 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, 85912 is tied for the 7th-highest two-bedroom rent (county range $1,180–$1,750). The median county two-bedroom FMR in Arizona is $1,244, so ZIP 85912 is 16% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 85912
BedroomsFY 2027Change90–110% range
Studio$1,010−9.8%$909–$1,111
1BR$1,100−9.8%$990–$1,210
2BR$1,440−7.7%$1,296–$1,584
3BR$1,780−7.8%$1,602–$1,958
4BR$1,890−8.3%$1,701–$2,079

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 85912
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,010$1,100$1,440$1,780$1,890
FY 2026$1,120$1,220$1,560$1,930$2,060
FY 2025$1,160$1,230$1,610$1,990$2,140
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. 85912
85901$1,350−6.2%
85902$1,200−16.7%
85911$1,180−18.1%
85912Current$1,440—
85923$1,260−12.5%
85926$1,180−18.1%
85928$1,730+20.1%
85929$1,390−3.5%
85933$1,180−18.1%
85934$1,260−12.5%
85935$1,420−1.4%
85937$1,750+21.5%

Questions about ZIP 85912 rents

How much will Section 8 pay for a two-bedroom in ZIP 85912?

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 $1,440 it would be $1,296 to $1,584. 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 85912 in?

ZIP 85912 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 85912 for FY 2027?

The two-bedroom FMR fell 7.7%, from $1,560 in FY 2026 to $1,440 in FY 2027. Since FY 2025 it has fallen 10.6%.

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 rentAZ statewide rentsWhat is SAFMR?Data sources