Key Economic Benchmarks
Median Household Income
$54,606$4,551 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Navajo County, AZ
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Navajo County, AZ
Official FY2026 HUD Fair Market Rents for Navajo County, AZ. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $937 | $11,244 | $37,480 | 20.6% |
| 1-Bedroom Apartment | $1,026 | $12,312 | $41,040 | 22.5% |
| 2-Bedroom ApartmentBenchmark | $1,309 | $15,708 | $52,360 | 28.8% |
| 3-Bedroom Home | $1,622 | $19,464 | $64,880 | 35.6% |
| 4-Bedroom Home | $1,733 | $20,796 | $69,320 | 38.1% |
50/30/20 Living Budget in Navajo County, AZ
Based on the local median household income of $54,606/year ($4,551/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Arizona
Explore net income after federal income tax, FICA, and Arizona state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Arizona with official federal datasets:
Frequently Asked Questions About Living in Navajo County, AZ
What is the median household income in Navajo County, AZ?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Navajo County, AZ is $54,606 per year (approximately $4,551 per month).
What is the average rent in Navajo County, AZ?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Navajo County, AZ are $937 for a studio, $1,026 for 1 bedroom, $1,309 for 2 bedrooms, $1,622 for 3 bedrooms, and $1,733 for 4 bedrooms.
How does the cost of living in Navajo County, AZ compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Navajo County, AZ is 100.7 (0.7% higher than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Navajo County, AZ?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,309/month) in Navajo County, AZ requires a minimum gross household income of $52,360 per year ($4,363 per month).
What is a balanced 50/30/20 monthly budget in Navajo County, AZ?
For a typical household earning the median income of $54,606/year ($4,551/month) in Navajo County, AZ, a balanced 50/30/20 budget allocates $2,275/month to essential needs (rent, utilities, groceries), $1,365/month to discretionary spending, and $910/month to savings and debt repayment.
What are typical electricity and utility costs in Navajo County, AZ?
Residential electricity rates in Arizona average 15.2¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $137 per month.