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Cost of living, pay and housing

34.41° N · 110.57° W · GEOID 0432310

Heber-Overgaard

Navajo County, Arizona · part of the Show Low, AZ metro

Computed by Citytistics from 13 public sources · Data bundle checked 2026-11-14 · How we calculate

Limited data population under 5,000

ArizonaHeber-Overgaard, AZHeber-OvergaardHeber-Overgaard

The short answer

Heber-Overgaard is home to 3,621 people. Median household income is $58,542 a year and median rent is $730 a month, 15.0% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $271,200, about 4.6x annual median household income.

Median gross rent
$730
47% below the median place
Median household income
$58,542
27% below the median place
Median home value
$271,200
15% below the median place
Unemployment
16.4%
235% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Heber-Overgaard

  • 59% of homes stand vacant, more than in 99% of the 1,415 places under 10,000 people we track. It is the highest of 80 Arizona places.
  • Unemployment averaged 16.4% over the survey period, higher than in 97% of places its size. It is the highest of 74 Arizona places.
  • Between the 2019 and 2024 surveys, household income rose 10.6% a year while rent rose 1.1%, so pay gained on rent more than in 97% of places its size.
  • Median rent is $730 a month, lower than in 94% of places its size. It is the 3rd-lowest of 92 Arizona places.
  • 14% of adults hold a bachelor's degree or higher, a smaller share than in 88% of places its size.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 88 out of 100. Budget for insurance before counting the savings.

01

Moving to Heber-Overgaard

Navajo County gains about 8.8 residents per 1,000 a year to moves between counties.

Moved in5,724
Moved out4,969
Net+755

Where people come from and where they go, top counties

Maricopa County, AZ1,9801,564+416
Coconino County, AZ404369+35
Apache County, AZ372339+33
Pinal County, AZ309245+64
Pima County, AZ261235+26
Yavapai County, AZ88100−12
Gila County, AZ10361+42
San Juan County, NM98

Within Arizona, other states or abroad

Arrivals
Leavers
Within ArizonaOther states

Income per tax return

Arrivals$60K
Leavers$55K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Navajo County; flows under 20 returns are not published.

Who moves here
5.2% of residents arrived from another county in the past year, 1.5% from another state. County figure.
Who arrives and who leaves
Households moving into Navajo County report $60,400 a year in income on average; those leaving, $55,300, so newcomers earn more than leavers.
Income you would need
$29,200 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $730 a month; owners with a mortgage pay $1,168 a month including taxes and insurance, on a median home of $271,200.
Getting to work
23 minutes each way on average; 9.2% work from home.
If it is close but not quite
Clewiston, FL matches it on character. Compare the two
Net movers per 1,000 people6
8.8
above the median place (median -0.6)
Income of households moving out6
$55,314
21% below the median place
Income of households moving in6
$60,422
14% below the median place
All 5 moving measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
Moved here in the past year1County figure5.2%9% below
Moved from another state1County figure1.5%23% below
Net movers per 1,000 people6County figure8.8above (median -0.6)
Income of households moving in6County figure$60,42214% below
Income of households moving out6County figure$55,31421% below
02

What it costs to live here

Vacant homes is 59.4%, above the median place (median 7.1%).

Heber-Overgaard15.0%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$29,200
a year, at the 30% line
Rent to income
15.0%
26% below the median place
Home price to income
4.6x
22% above the median place

Could you afford it?

The median rent would take
15%
comfortably under the 30% line
Left after rent, in US prices
$50,200
a year, prices not adjusted
Vs the typical household here
Same
as the median household

Uses the median rent in Heber-Overgaard, $730 a month. It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Heber-Overgaard.

Sponsored · exampleMoving to Heber-Overgaard? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Vacant homes1
59.4%
above the median place (median 7.1%)
Owner costs with a mortgage1
$1,168
38% below the median place
Property tax rate1
0.5%
47% below the median place
All 15 cost and housing measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
Median gross rent1$73047% below
Rent to income115.0%26% below
Property tax rate10.5%47% below
Home price to income14.6x22% above
Fair market rent, 2 bedrooms2County figure$1,26422% below
HUD area median income3County figure$63,00041% below
Property tax paid (median)1$1,29860% below
Median home value1$271,20015% below
Home prices, 1-year change4County figure3.2%1% above
Home prices, 5-year change4County figure69.5%35% above
Homeownership187.1%31% above
Renters paying 30%+1County figure34.5%32% below
Owner costs with a mortgage1$1,16838% below
Vacant homes159.4%above (median 7.1%)
Median year built119891% above
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Unemployment1
16.4%
235% above the median place
Income per person1
$27,291
32% below the median place

More on work and pay, against the typical place

Median household income$58,542 −27%
Mean commute23 min −10%
Poverty rate11.8% +9%
All 10 work and pay measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
Median household income1$58,54227% below
Income per person1$27,29132% below
Unemployment116.4%235% above
Average annual pay5County figure$52,14321% below
Pay growth, 1 year5County figure3.4%8% below
Jobs5County figure27,91081% below
Poverty rate111.8%9% above
Mean commute123 min10% below
Works from home1County figure9.2%26% below
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Homes with broadband is 76.2%, 18% below the median place.

Homes with broadband1
76.2%
18% below the median place
No health insurance1
23.4%
266% above the median place
Bachelor's or higher1
14.4%
55% below the median place

More about who lives here, against the typical place

Median age41.7 +7%
Household size2.3 −6%
High school or higher88.9% −4%
All 8 people measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
Population13,6216646th largest
Median age141.77% above
Bachelor's or higher114.4%55% below
High school or higher188.9%4% below
Household size12.36% below
Born abroad1County figure2.5%72% below
No health insurance123.4%266% above
Homes with broadband176.2%18% below
05

Life in Heber-Overgaard

58 sites are on the National Register of Historic Places, 3 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents5.5 −46%
Playgrounds per 10k11.1 +17%
Grocery stores per 10k2.8 +30%
Restaurants, cafes and bars per 10k38.7 3.5×
Libraries per 10k0.0 −100%
Named paths and bike trails3 km +40%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars17.2 −17%
Shops25.8 −15%
Arts, recreation and fitness2.3 −44%
Doctors' offices and clinics17.5 −13%
Child care centers0.8 −65%

Counts businesses with paid staff, so small owner-run shops are not included.

Public schools10
1
89% below the median place
Public school students10
142
97% below the median place
Students per teacher10
17.8
16% above the median place
All 16 schools and local life measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
Public schools10189% below
Public school students1014297% below
Students per teacher1017.816% above
Restaurants and bars per 10k7County figure17.217% below
Shops per 10k7County figure25.815% below
Arts, recreation and fitness per 10k7County figure2.344% below
Doctors' offices and clinics per 10k7County figure17.513% below
Child care centers per 10k7County figure0.865% below
Parks per 10k85.546% below
Playgrounds per 10k811.117% above
Grocery stores per 10k82.830% above
Restaurants, cafes and bars per 10k838.7247% above
Libraries per 10k80.0below (median 0.9)
Named paths and bike trails82.840% above
Transit stops per sq mi80.0below (median 0.2)
National Register listings9County figure58346% above
06

Safety, weather and risk

Hurricane risk is 0.0, below the median place (median 70.7).

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Heber-Overgaard. Larger places are fetched first.

Hurricane risk12
0.0
below the median place (median 70.7)
Good air days13
99.5%
45% above the median place
Median air quality index13
13
70% below the median place
All 11 weather and risk measures
MeasureHeber-OvergaardAmong 6,645 placesVs median
July average high11County figure90°F3% above
January average low11County figure20°F20% below
Average temperature11County figure53°F4% below
Annual precipitation11County figure10.8 in75% below
Natural hazard risk12County figure88.15% below
Hurricane risk12County figure0.0below (median 70.7)
Tornado risk12County figure8.190% below
Wildfire risk12County figure98.861% above
Heat wave risk12County figure56.737% below
Median air quality index13County figure1370% below
Good air days13County figure99.5%45% above
08

Heber-Overgaard in 2030: where the trends point

If recent trends hold, the median rent will take about 14% of the median income in 2030, down from 15% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$730/mo (2024)$920/mo$750 to $1,120/mo+3.9%
Median household income$58,542 (2024)$76,500$64,500 to $90,500+4.6%
Median home value$271,200 (2024)$392,000$285,000 to $541,000+6.4%

The median home would be worth 5.1 years of the median income in 2030, against 4.6 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Heber-Overgaard

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Clewiston, FL$763$57,222Compare
South Valley, NM$954$58,224Compare
Big Stone Gap, VA$797$54,581Compare
Laurens, SC$833$49,246Compare
Laurens, SCBig Stone Gap, VASouth Valley, NMClewiston, FLHeber-Overgaard, AZHeber-OvergaardClewistonSouth ValleyBig Stone GapLaurensHeber-OvergaardClewistonSouth ValleyBig Stone GapLaurens

Common questions

Is Heber-Overgaard a good place to live?

It depends on what you need, so here is what the numbers say. 59% of homes stand vacant, more than in 99% of the 1,415 places under 10,000 people we track. It is the highest of 80 Arizona places. Unemployment averaged 16.4% over the survey period, higher than in 97% of places its size. It is the highest of 74 Arizona places. On cost, space and class size it scores 56 out of 100 for families. See how it ranks with your own weights.

Is Heber-Overgaard expensive to live in?

The median rent takes 15.0% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $271,200.

What salary do you need to live in Heber-Overgaard?

To rent the median home without spending more than 30% of income on rent, a household needs about $29,200 a year. Work it out from your current city.

What places are similar to Heber-Overgaard?

On income, rent, home value, education and age, the closest matches are Clewiston, FL, South Valley, NM, Big Stone Gap, VA and Laurens, SC.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  3. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  4. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  5. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  6. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  7. County Business Patterns · US Census Bureau · 2023 data
  8. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  9. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  10. Common Core of Data · National Center for Education Statistics · 2024 release
  11. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  12. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  13. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Heber-Overgaard with places of a similar size, using only figures measured for Heber-Overgaard itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/heber-overgaard-arizona

Citytistics. “Heber-Overgaard, Arizona.” Data as of 2026-11-14. https://www.citytistics.com/city/heber-overgaard-arizona/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.