Local
Learn about the people, housing, costs and businesses in Heber-Overgaard, Arizona
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Heber-Overgaard.
True all-in cost — P&I, taxes, insurance & utilities for homes in Heber-Overgaard.
Find and compare lenders active near Heber-Overgaard.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Heber-Overgaard.
Seismic risk and earthquake insurance estimates for Heber-Overgaard.
Wildfire exposure and insurance estimates for Heber-Overgaard.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Heber-Overgaard is approximately 6.859% (6.894% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Heber-OvergaardThe median home value in Heber-Overgaard is $310k. The median monthly rent is $767. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Heber-Overgaard have increased 11.2% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $783/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $34k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Heber-Overgaard is $62k/year.
Calculate your buying powerThe largest employment sectors in Heber-Overgaard are public administration (19%) and wholesale trade (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.