Arizona · GEOID 04017

Navajo County

2024 ACS 5-year estimates · population 108,415 · 57,230 housing units

Median household income

$54,606

State $80,891

Median home value

$201,500

State $393,758

Median gross rent

$858

State $1,528

Homeownership rate

73.2%

State 67.4%

Renter cost-burden rate

34.5%

≥30% of income

Owner cost-burden rate

15.1%

≥30% of income

Homeowner vacancy

1.4%

Of owner-occupied + for-sale units

Rental vacancy

4.1%

Of renter-occupied + for-rent units

Overall vacancy

30.0%

All housing units

Price-to-income ratio

3.69

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Navajo County	Arizona
Population	108,415	7,378,838
Population density (per sq. mi.)	10.90	—
Median household income	$54,606	$80,891
HUD Area Median Income (4-person, 100%)	$63,000	—
Households	40,063	—
Average household size	2.64 people	—
Owner-occupied	73.2%	67.4%
Renter-occupied	26.8%	32.6%
Race	45.3% White · 1.1% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Navajo County compared with Arizona.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

19.1% hold a bachelor's degree or higher (state: 33.3%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	29.3%	$38,229	$956	$111,282
1 earner	35.3%	$53,910	$1,348	$169,652
2 earners	28.1%	$93,338	$2,333	$316,416
3+ earners	7.2%	$124,637	$3,116	$432,922

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

40,063

Average size: 2.64 people

Households with children

9,734

24.3% of households

Per-capita income

$25,210

Poverty rate: 24.4%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

73.2% owner-occupied vs. state average 67.4%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 73.7% · Missing middle (2–19 units) 6.0%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

33.5% built before 1980 · Median structure age 1,989.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $201,500.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $858.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 17,167 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 2.5% · For rent 2.7% · Seasonal 76.0% · Other 17.1%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

6.8% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 93.2% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

22.8%

13,055 units of 57,230 total

⚑ Above the 10% threshold — meaningful pressure on year-round residents from second-home / short-term-rental demand.

"Other vacant" share of all housing

5.1%

2,942 units of 57,230 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$43,685

100% MHI$54,606

120% MHI$65,527

County-wide median from ACS 5-year estimates. A household at 100% MHI in Navajo County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$42,750	$48,850	$61,050
100% AMI	$44,100	$50,400	$63,000
120% AMI	$52,900	$60,500	$75,600

HUD FMR Area: Navajo County, AZ. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

34.5% of renter households spend ≥30% of income on rent (14.3% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

15.1% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Navajo County.

Covered employment

23,876

Across 21 sectors

Establishments

1,969

QCEW 2024

Avg annual pay (workforce)

$50,061

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 92 Public administration NAICS 92	4,622	$66,091	$214,994	+$13,494	$1,652
NAICS 62 Health care and social assistance NAICS 62	4,292	$63,623	$205,807	+$4,307	$1,591
NAICS 44-45 Retail trade NAICS 44-45	4,073	$35,107	$99,661	−$101,839	$878
NAICS 72 Accommodation and food services NAICS 72	3,876	$24,055	$58,521	−$142,979	$601
NAICS 23 Construction NAICS 23	1,513	$52,672	$165,044	−$36,456	$1,317
NAICS 48-49 Transportation and warehousing NAICS 48-49	637	$55,348	$175,005	−$26,495	$1,384
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	625	$44,072	$133,031	−$68,469	$1,102
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	526	$45,685	$139,036	−$62,464	$1,142
NAICS 81 Other services (except public administration) NAICS 81	508	$39,954	$117,703	−$83,797	$999
NAICS 61 Educational services NAICS 61	503	$48,873	$150,902	−$50,598	$1,222
NAICS 54 Professional, scientific, and technical services NAICS 54	467	$65,413	$212,470	+$10,970	$1,635
NAICS 52 Finance and insurance NAICS 52	379	$58,311	$186,034	−$15,466	$1,458
NAICS 42 Wholesale trade NAICS 42	348	$86,287	$290,170	+$88,670	$2,157
NAICS 31-33 Manufacturing NAICS 31-33	322	$55,747	$176,490	−$25,010	$1,394
NAICS 71 Arts, entertainment, and recreation NAICS 71	287	$41,285	$122,657	−$78,843	$1,032
NAICS 53 Real estate and rental and leasing NAICS 53	229	$43,914	$132,443	−$69,057	$1,098
NAICS 51 Information NAICS 51	209	$69,375	$227,218	+$25,718	$1,734
NAICS 55 Management of companies and enterprises NAICS 55	199	$61,424	$197,621	−$3,879	$1,536
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	124	$80,884	$270,058	+$68,558	$2,022
NAICS 22 Utilities NAICS 22	117	$78,573	$261,456	+$59,956	$1,964
NAICS 99 Unclassified NAICS 99	20	$29,938	$80,420	−$121,080	$748

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	3,045	$23,250	$55,525	−$145,975	$581
NAICS 921 Executive, legislative, and other general government support NAICS 921	2,557	$49,911	$154,766	−$46,734	$1,248
NAICS 621 Ambulatory health care services NAICS 621	1,957	$64,334	$208,453	+$6,953	$1,608
NAICS 923 Administration of human resource programs NAICS 923	1,254	$94,978	$322,521	+$121,021	$2,374
NAICS 455 General merchandise retailers NAICS 455	1,217	$33,029	$91,926	−$109,574	$826
NAICS 238 Specialty trade contractors NAICS 238	932	$53,004	$166,279	−$35,221	$1,325
NAICS 721 Accommodation NAICS 721	832	$26,972	$69,379	−$132,121	$674
NAICS 445 Food and beverage retailers NAICS 445	737	$30,684	$83,197	−$118,303	$767
NAICS 922 Justice, public order, and safety activities NAICS 922	613	$69,845	$228,967	+$27,467	$1,746
NAICS 457 Gasoline stations and fuel dealers NAICS 457	585	$31,278	$85,408	−$116,092	$782
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	579	$35,839	$102,385	−$99,115	$896
NAICS 611 Educational services NAICS 611	503	$48,873	$150,902	−$50,598	$1,222
NAICS 541 Professional, scientific, and technical services NAICS 541	467	$65,413	$212,470	+$10,970	$1,635
NAICS 561 Administrative and support services NAICS 561	461	$42,179	$125,985	−$75,515	$1,054
NAICS 624 Social assistance NAICS 624	457	$31,595	$86,588	−$114,912	$790
NAICS 441 Motor vehicle and parts dealers NAICS 441	432	$53,932	$169,734	−$31,766	$1,348
NAICS 236 Construction of buildings NAICS 236	402	$49,476	$153,147	−$48,353	$1,237
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	331	$32,206	$88,862	−$112,638	$805
NAICS 811 Repair and maintenance NAICS 811	264	$45,103	$136,869	−$64,631	$1,128
NAICS 924 Administration of environmental quality programs NAICS 924	218	$78,731	$262,044	+$60,544	$1,968
NAICS 492 Couriers and messengers NAICS 492	207	$49,832	$154,472	−$47,028	$1,246
NAICS 551 Management of companies and enterprises NAICS 551	199	$61,424	$197,621	−$3,879	$1,536
NAICS 522 Credit intermediation and related activities NAICS 522	191	$53,150	$166,823	−$34,677	$1,329
NAICS 484 Truck transportation NAICS 484	179	$48,381	$149,071	−$52,429	$1,210
NAICS 237 Heavy and civil engineering construction NAICS 237	178	$58,446	$186,536	−$14,964	$1,461
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	166	$29,547	$78,964	−$122,536	$739
NAICS 112 Animal production and aquaculture NAICS 112	152	$40,831	$120,967	−$80,533	$1,021
NAICS 531 Real estate NAICS 531	138	$49,046	$151,546	−$49,954	$1,226
NAICS 562 Waste management and remediation services NAICS 562	129	$51,765	$161,667	−$39,833	$1,294
NAICS 524 Insurance carriers and related activities NAICS 524	125	$61,552	$198,098	−$3,402	$1,539
NAICS 517 Telecommunications NAICS 517	123	$90,311	$305,149	+$103,649	$2,258
NAICS 491 Postal service NAICS 491	117	$69,701	$228,431	+$26,931	$1,743
NAICS 221 Utilities NAICS 221	117	$78,573	$261,456	+$59,956	$1,964
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	104	$27,653	$71,914	−$129,586	$691
NAICS 113 Forestry and logging NAICS 113	94	$51,199	$159,561	−$41,939	$1,280
NAICS 532 Rental and leasing services NAICS 532	91	$36,131	$103,472	−$98,028	$903
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	88	$59,258	$189,559	−$11,941	$1,481
NAICS 456 Health and personal care retailers NAICS 456	82	$42,415	$126,864	−$74,636	$1,060
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	69	$38,040	$110,578	−$90,922	$951
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	63	$65,161	$211,532	+$10,032	$1,629
NAICS 488 Support activities for transportation NAICS 488	51	$67,034	$218,504	+$17,004	$1,676
NAICS 512 Motion picture and sound recording industries NAICS 512	46	$40,966	$121,470	−$80,030	$1,024
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	41	$26,110	$66,171	−$135,329	$653
NAICS 332 Fabricated metal product manufacturing NAICS 332	32	$60,892	$195,641	−$5,859	$1,522
NAICS 311 Food manufacturing NAICS 311	23	$37,017	$106,770	−$94,730	$925
NAICS 999 Unclassified NAICS 999	20	$29,938	$80,420	−$121,080	$748
NAICS 926 Administration of economic programs NAICS 926	18	$53,656	$168,706	−$32,794	$1,341
NAICS 339 Miscellaneous manufacturing NAICS 339	4	$29,525	$78,883	−$122,617	$738

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Childcare Workers SOC 39-9011	180	40	29%	$15.95	$33,180	$92,488	$830
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	2,630	320	14%	$16.07	$33,420	$93,381	$836
Cashiers SOC 41-2011	3,630	450	14%	$16.32	$33,940	$95,317	$849
Retail Salespersons SOC 41-2031	2,680	70	3%	$17.57	$36,540	$104,995	$914
Janitors and Cleaners SOC 37-2011	1,370	(330)	(19%)	$18.08	$37,600	$108,940	$940
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	740	(80)	(10%)	$20.90	$43,470	$130,791	$1,087
Tellers SOC 43-3071	90	(90)	(50%)	$21.07	$43,820	$132,093	$1,096
Construction Laborers SOC 47-2061	990	460	87%	$21.12	$43,930	$132,503	$1,098
Waiters and Waitresses SOC 35-3031	1,550	(660)	(30%)	$21.25	$44,200	$133,508	$1,105
Office Clerks, General SOC 43-9061	2,040	(450)	(18%)	$22.08	$45,930	$139,948	$1,148
Maintenance and Repair Workers, General SOC 49-9071	2,260	790	54%	$22.31	$46,400	$141,697	$1,160
Elementary School Teachers, Except Special Education SOC 25-2021	1,410	(260)	(16%)	—	$52,270	$163,547	$1,307
Carpenters SOC 47-2031	340	(40)	(11%)	$25.64	$53,340	$167,530	$1,334
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	240	(80)	(25%)	$25.74	$53,550	$168,312	$1,339
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	1,430	—	—	$26.75	$55,640	$176,091	$1,391
Paramedics SOC 29-2043 · prior-year code differs	170	(210)	(55%)	$27.22	$56,610	$179,702	$1,415
Police and Sheriff's Patrol Officers SOC 33-3051	830	130	19%	$32.49	$67,570	$220,499	$1,689
Electricians SOC 47-2111	640	130	25%	$37.60	$78,200	$260,067	$1,955
Registered Nurses SOC 29-1141	1,870	310	20%	$46.39	$96,490	$328,149	$2,412

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 04017 · pulled from Full Housing Data Table.xlsx.