Payson Homes with FHA New Financing

Payson Homes with FHA New Financing

Payson, Arizona is a charming city nestled in the heart of the state. Located in Gila County, Payson offers a unique blend of natural beauty and small-town charm. Surrounded by the majestic Mogollon Rim and the Tonto National Forest, this city is a haven for outdoor enthusiasts and nature lovers.

With its picturesque landscapes and mild climate, Payson is an ideal place to call home. From hiking and camping to fishing and boating, there are endless opportunities for outdoor recreation. Residents can explore the many trails, lakes, and rivers that dot the area, immersing themselves in the stunning beauty of the Arizona wilderness.

When it comes to real estate, Payson offers a variety of options for homebuyers. Whether you're looking for a cozy cabin in the woods or a modern family home, there are plenty of choices available. One notable feature of the housing market in Payson is the availability of homes with FHA New Financing. This means that buyers can take advantage of the benefits offered by the Federal Housing Administration, such as low down payments and flexible credit requirements.

If you're considering a move to Payson, you'll find a welcoming community, a strong sense of community pride, and a range of amenities to enjoy. From local shops and restaurants to community events and festivals, there's always something happening in this vibrant city. With its natural beauty, affordable housing options, and friendly atmosphere, Payson is a city that truly has it all.

Newest Payson Homes with FHA New Financing

$525,000
3 Beds ⋅ 2 Baths ⋅ 7086398 MLS ⋅ 1,446 SqFt.
A river runs through it! Whether you are looking for a tranquil family getaway or a permanent mountain residence, this lovingly maintained, owner-built 1,446 sq ft cabin in desirable Whispering Pines offers unmatched natural beauty. The main living space features 2 bedrooms, 2 full baths, plus a flexible room currently used as a 3rd bedroom. Enjoy an open floor plan with hardwood floors, a dramatic 12-foot cantilevered ceiling, and a bright kitchen island perfect for entertaining, complete with a separate laundry room and foyer/mudroom. Step outside onto your redwood deck to listen to the East Verde River and take in views of the Tonto National Forest. Sitting on 0.64 acres at the end of a quiet road with virtually no traffic, the property boasts approximately 100 feet of riverfront wit a sandy beach (plus ~15 feet of land across the river). Because it borders the National Forest in a designated riparian area, no homes will ever be built behind you. Additional highlights include a cozy fireplace with insert, central heat, two portable AC units, covered parking with room for toys, and a working well with a 1,300-gallon holding tank for outdoor watering.No HOA Professional pictures coming soon!

2561 N Juniper Drive N, Payson
$285,000
2 Beds ⋅ 2 Baths ⋅ 7086262 MLS ⋅ 1,280 SqFt.
SINGLE-LEVEL PAYSON HOME! This charming 2-bedroom, 2-bath home offers 1,280 square feet of comfortable single-level living. The open floor plan features a spacious living and dining area with a cozy woodstove, plus an open kitchen with plenty of room for everyday living and entertaining. Enjoy the outdoors from the covered side deck or open front deck, with a fenced yard providing a great space for pets, gardening, or relaxing. Additional features include a single carport and a convenient storage room. A great opportunity for a full-time residence, weekend getaway, or investment property in Payson!

607 E Drowsey Circle, Payson
$424,000
3 Beds ⋅ 2 Baths ⋅ 7085959 MLS ⋅ 1,433 SqFt.

211 N Heritage Lane, Payson
$429,000
3 Beds ⋅ 2 Baths ⋅ 7085957 MLS ⋅ 1,582 SqFt.
Beautifully updated 3-bedroom, 2-bathroom home tucked into the pines of Payson North. Sitting on a spacious, fully-fenced double lot with no HOA, this property offers the space, privacy, and flexibility that's tough to find at this price point. Inside, you'll find fresh, modern updates throughout, making this home truly move-in ready. The versatile Arizona room adds bonus living space perfect for a home office, sunroom, or extra entertaining area, while the attached garage and additional carport provide ample covered parking and storage for vehicles, toys, or a workshop. The fully fenced double lot is a rare find in this price range plenty of room for pets, kids, RV/boat parking, gardening, or future expansion. Enjoy Payson's Payson's cool pine-country climate, with easy access to hiking, the Rim Country, and small-town charm just a short drive from the Valley. Whether you're looking for a primary residence, a mountain getaway, or an investment property, this home checks all the boxes: updated interior, extra covered parking, and tons of usable outdoor space.

1209 N Gila Drive, Payson
$917,000
4 Beds ⋅ 4 Baths ⋅ 7085759 MLS ⋅ 3,976 SqFt.
Experience breathtaking views of Payson and the Mogollon Rim from this beautifully upgraded custom home on a .55 acre hilltop cul de sac lot. A dramatic wall of windows fills the living room with natural light, complemented by a cozy gas fireplace. The main level offers two private primary suites with updated baths and walk in closets, plus an office/den, grand foyer, and oversized utility room with pantry and workspace. Upstairs features two spacious bedrooms with a modern Jack and Jill bath and a versatile loft--ideal as a media or game room. The entertainment center conveys. Major improvements include owned solar, Andersen windows (2019), new siding and exterior paint (2019), roof replacements (2020-21), recessed LED lighting, three heat pumps (two new in 2023-24), additional mini splits, 2025 flooring, new washer/dryer, RV gate with 6 ft fencing, and added 220 power to the deck and garage. Outdoor living shines with a large west facing composite deck, new exterior doors and stairs, mature landscaping, pergola, and fully fenced yard with double gate. Extra gravel parking and an oversized two car garage with built ins add convenience. This home blends luxury, privacy, and panoramic mountain views for exceptional Payson living.

1002 N Hillcrest Drive, Payson
$310,000
2 Beds ⋅ 1 Baths ⋅ 7083990 MLS ⋅ 897 SqFt.
Escape to the mountains and discover your own private slice of Rim Country! Nestled among towering pines in peaceful Colcord Mountain Estates, just 30 minutes east of Payson, this beautifully updated 2-bedroom, 1-bath cabin sits on a spacious ½-acre lot with incredible mountain views.Step inside to a bright, open layout featuring soaring vaulted ceilings, beautiful flooring, modern updates, and a cozy wood-burning stove perfect for chilly mountain evenings. A large picture window brings the outdoors in, filling the living space with natural light while showcasing the surrounding forest and mountain scenery. Outdoor living is just as impressive with an extra-long covered patio made for morning coffee, afternoon relaxation, and evenings under the stars. MORE... The oversized 3-car garage offers plenty of room for vehicles, toys, and storage, plus a dedicated workshop bay for projects and hobbies.Whether you're looking for a full-time mountain home, weekend getaway, or peaceful escape from the Valley heat, this property has it all--privacy, views, fresh mountain air, tall pines, and plenty of room to enjoy the Arizona mountain lifestyle!

254 S Blackfoot Road, Payson
$399,000
3 Beds ⋅ 2 Baths ⋅ 7083770 MLS ⋅ 1,906 SqFt.
Gorgeous cabin get away. Calm community and ready for a perfect weekend retreat or full time home. Master bedroom is a good size with lots of closet space. Inside washer and dryer and loft area for an additional bedroom or living space. Kitchen and half bath could use some updating, otherwise the home has good bones. There is a hand painted mural in the living room with a stuffed bear that conveys. Oversized lot .46 acre, the land adjacent with the storage unit and mini storage sheds is part of this property.

436 W Blackberry Lane, Payson
$650,000
4 Beds ⋅ 2 Baths ⋅ 7083378 MLS ⋅ 2,028 SqFt.
There are homes near the forest and then there are homes where the back gate opens directly into it. At 1900 W Fairway Lane, Tonto National Forest is your backyard, Payson Golf Club is directly across the street, and the best of Rim Country living begins at home. Set on a fully fenced .36-acre cul-de-sac lot with no HOA, this updated single-level residence offers approximately 2,028 square feet with four spacious bedrooms, two remodeled bathrooms and a dedicated office/bonus room. Inside, the home feels warm, open and full of character. Vaulted ceilings and wood-look flooring lead into a generous living area centered around a wood-burning fireplace with barnwood and corrugated-metal accents, built-ins and abundant storage. The remodeled kitchen combines extensive distressed cabinetry, tile countertops, a deep double farmhouse sink and Samsung Smart appliances. An adjoining dining area surrounded by windows brings in beautiful natural light, while the well-equipped laundry room adds cabinetry, a folding counter and utility sink. The flexible floor plan is designed for real life. The fourth bedroom includes its own exterior entrance--an excellent option for guests, a private workspace, studio or hobby room. The primary retreat offers exceptional storage with a walk-in closet, second closet and linen closet. Its custom bath stands apart with dual sinks and a large tiled walk-in shower featuring rain and handheld showerheads and a decorative frosted wilderness-scene window. An adjoining bonus room opens directly to the patio. Outside, the property becomes an experience of its own. Dine beneath the covered patio, unwind in the spa, enjoy the pond and water feature, or grow your own harvest in two fenced garden areas. Established apple, peach, plum and pomegranate trees are joined by grapevines, blackberries and raspberries. The permanent two-story site-built chicken house with metal roof can also provide substantial storage or hobby space. An RV gate and parking in both the front and backyard provide room for a boat or trailer. The two-car garage includes a workbench, shelving and cabinets. The roof was replaced in 2018, the exterior was painted in 2020 and the water heater was replaced in 2021. City water and public sewer complete the practical advantages. Green Valley Park, historic Main Street, local shops and restaurants are all close by. A home with this much space and flexibility is special; one with the forest through the back gate and golf across the street is something altogether different.

1900 W Fairway Lane, Payson
$599,999
5 Beds ⋅ 3 Baths ⋅ 7081938 MLS ⋅ 2,395 SqFt.
Located in the desirable Mogollon Village, this stunning custom-built home offers beautiful mountain views, along with numerous thoughtful upgrades throughout. An extra-deep garage provides plenty of room for additional storage, while the welcoming entryway leads to a charming covered front deck. Inside, the home features 8-foot doors throughout, five bedrooms, and three bathrooms. The beautifully appointed kitchen showcases custom cabinetry, a striking copper hood, and a spacious island/breakfast bar accented by gorgeous slab granite countertops. Conveniently located just off the kitchen, the laundry room offers abundant cabinetry for storage and generous counter space for folding. The inviting great room is designed for both comfort and entertaining, featuring a lovely gas fireplace with surround sound and a patio slider that opens to a covered, maintenance-free rear deck. With ample space for outdoor dining and entertaining, the deck overlooks a spacious, fenced backyard that is perfect for both pets and kids. With its custom finishes, thoughtful upgrades, stunning views, and exceptional indoor-outdoor living spaces, this home is a wonderful blend of comfort, style, and functionality.

304 S Ryan Drive, Payson
$345,000
3 Beds ⋅ 2 Baths ⋅ 7081423 MLS ⋅ 1,344 SqFt.
NEW CONSTRUCTION & NO HOA -- TURNKEY MOUNTAIN LIVING. Be the first to occupy this newly completed 3-bed, 2-bath, 1,344 sq ft residence on a fully usable, unrestricted parcel just 5 minutes northeast of Payson. Bring your horses, livestock, RV, and trailers--zero HOA restrictions. Perfectly positioned as a low-maintenance primary home, mountain retreat, or high-performing short-term rental. The open-concept layout features 9-foot flat ceilings and upgraded laminate flooring. The chef's kitchen is equipped with 42'' solid hardwood cabinetry, a 36'' commercial-grade range hood, and Samsung stainless appliances. The primary suite includes a walk-in closet and dual-vanity ensuite. Just minutes from premier hiking, trout fishing, and endless ATV trail systems. Engineered for modern efficiency, this all-electric home is built with a high-performance thermal envelope. Features include argon gas low-E double-pane windows, advanced insulation, a Carrier high-efficiency heat pump, and full LED lighting throughout. Additional amenities include a dedicated laundry room, ceiling fans, and an expansive covered front porch designed to capture mountain breezes.

8162 W Apache Drive, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7080660 MLS ⋅ 1,336 SqFt.
Beautifully remodeled and ideally located directly across from Rumsey Park in one of Payson's most desirable neighborhoods! This move-in ready 3-bedroom, 2-bath home features a stunning updated kitchen with crisp white cabinetry, granite countertops, herringbone tile backsplash, stainless steel appliances, and wood-look flooring. Both bathrooms have been beautifully renovated with fully tiled, remodeled showers and updated finishes. Enjoy comfortable living spaces, a covered front porch, mature trees, and low-maintenance landscaping--all just steps from Rumsey Park's recreational amenities and open space. Beautifully updated, exceptionally located, and ready to welcome you home!

817 W Payson Parkway, Payson
$289,000
3 Beds ⋅ 2 Baths ⋅ 7080342 MLS ⋅ 1,904 SqFt.
Situated on .49 acres in the peaceful Deer Creek area just outside of Payson, this 3-bedroom, 2-bathroom home offers the space, privacy, and relaxed mountain lifestyle that make the Rim Country so desirable. With nearly half an acre to enjoy, the property provides plenty of room to spread out while remaining conveniently close to the shopping, dining, and amenities of Payson. Inside, the home offers a comfortable and functional layout with two bedrooms and a welcoming living space, making it well-suited as a full-time residence, weekend getaway, or affordable mountain retreat. Outside, the spacious property provides plenty of possibilities for outdoor living, gardening, pets, recreational equipment, or simply enjoying the quiet surroundings and fresh mountain air. A detached garage adds valuable versatility with room for vehicles, ATVs, tools, storage, or workshop space. Combining nearly half an acre, a detached garage, and a peaceful location outside of town, this Deer Creek property offers an excellent opportunity to enjoy a quieter pace of life while keeping Payson within easy reach.

124 W Black Mountain Road, Payson
Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.