Overgaard, Arizona.
Typical home $393,026 (-0.1% in a year). Show Low, AZ metro.
to buy the typical home at today's mortgage rate — +$1,196 (+138%) since Jan 2020.
- 1 year
- Down $522 -0%
- $393,547$393,026 since Sep 2025
- 5 years
- Up $41,775 +12%
- $351,251$393,026 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Overgaard$2,063
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 31 years.
Typical home values in Overgaard, AZ fell 0.1% over the past year — slower than the nation's +1.2%.
Living in Overgaard, Navajo County, Arizona
The Census does not count Overgaard on its own, so the figures here are Navajo County's. Half the county's households earn more than $54,606 a year and half less; 25% of the county's people live below the poverty line. 73% of the county's homes are lived in by their owners and 27% are rented. Unemployment in Navajo County was 7.7% in August 2026, and the county had 2.5% fewer jobs in 2025 than the year before. The most people in Navajo County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Overgaard is a small town in Navajo County, in the high country of east-central Arizona. Across the county, most homes are lived in by their owners, and the population is middle-aged. Winters are colder than in much of Arizona, and summers are warm.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in the building trades. Across Navajo County, the number of jobs fell over the past year, and unemployment has risen since last year. Fewer adults hold a four-year degree than in much of the country.
Things to do. Sitgreaves National Forest and Black Mesa National Forest are both protected areas a short drive away. Carrizo Creek, a river, is also a short drive away. Black Canyon Lake, a lake, is a longer drive off.
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- 40,063households
- 39.5median age
- 19%of adults have a degree
- 25%below the poverty line
- 25 mintypical commute
- 9%work from home
What people in Navajo County work in
Employed residents by industry, from the Census survey. Navajo County had 27,910 jobs in 2025, 2.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 20°; warmest in July, with highs near 83° and lows near 56°. About 18 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Heber (black Mesa) Rs weather station, 4 miles away (NOAA).
Largest workplaces in Navajo County
- Summit HealthcareGeneral hospital1,094FTE
- Usphs Hospital-whiteriverGeneral hospital702FTE
- Indian Health ServiceFederal government · Department of Health and Human Services553
- Northland Pioneer CollegeTwo-year college486
- WalmartWarehouse clubs and supercenters448
- Indian Health ServiceFederal government · Department of Health and Human Services366
- Arizona Department of CorrectionsCorrectional institutions362
- Kayenta Unified School District #27 (4396)School district318FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 46 workplaces with 20 or more staff, 4,769 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), federal offices from OPM's federal workforce data (2026), colleges from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- Winter weatherVery high
- WildfireRelatively high
- LandslidesRelatively moderate
- Inland floodingRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Navajo County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Navajo County and the Show Low, AZ metro.
Overgaard home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Overgaard$393,026
- Arizona$416,733
- United States$366,157
Sellers are cutting prices on about 1 in 3 Overgaard listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Overgaard29.02%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Overgaard132
New listings per month
Sellers arriving at the market.
- Overgaard20
Zip codes with a Overgaard address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Overgaard — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.