Roosevelt County has an income-versus-resale-depth tension. The Zillow county observation labeled 2026-06 places median home value at $147,590 and median asking rent at $862 monthly, with a stated 7.01% gross yield before costs. That makes cash-flow underwriting worth investigating, while buyers dependent on quick resale, deep buyer pools, or steady job growth should be cautious. County figures do not establish a specific property’s achievable rent, condition, or financing terms.
Measured asking rent, rather than HUD Fair Market Rent, supports the stated yield calculation. HUD’s two-bedroom FMR is a payment standard, not an estimate of asking rent. The effective property-tax rate is 0.45%, a carrying-cost input that must be paired with parcel-level assessments. Zillow’s labeled home-value observation was up 0.41% year over year, whereas the FHFA repeat-transaction HPI annual observation for 2025 rose 5.81%. Those are different vintages and methods; the FHFA index is not a home value, and the measures should not be averaged.
Realtor.com’s MLS listing-market evidence shows 55 active listings, down 23.08% year over year, while 13.49% of listings had price reductions. This indicates less visible supply alongside seller concessions, not closed-sale pricing or proof of buyer demand. Annual QCEW covered employment at county workplaces declined 1.10%; Trade, transportation, and utilities was the largest disclosed private supersector, not the whole economy. Net tax-return migration was negative by 21 households, and incoming movers’ average AGI was $8,376 below that of outgoing movers. The 6.08% investor share records non-owner-occupant purchase mortgages, but not cash buyers or all buyer competition.
Risk screening should center on inland flood exposure: modeled annual climate loss equals 0.52% of building value. That measure is modeled expected loss, not a property insurance quote or a recorded loss history. Flood-zone status, elevation, prior claims, coverage availability, and insurance pricing are not published here; without them, net yield and resilience cannot be underwritten. Vacancy, collections, operating expenses, closed-sale comparables, and property-level tax assessments are also absent, preventing a conclusion on durable net income or exit value.