Navajo Housing Authority

What Navajo Housing Authority does

Navajo Housing Authority (NHA) is the Navajo Nation's tribally designated housing entity (TDHE), founded on May 1, 1963, under the authority of the Native American Housing Assistance and Self-Determination Act of 1996 (NAHASDA). The organization administers HUD's Indian Housing Block Grant and delivers housing services to low-income Navajo families across a network of 15 Housing Management Offices spanning Arizona and New Mexico. NHA manages a housing stock of 7,246 units, making it the eighth largest housing authority in the United States by unit count, and addresses a documented need for approximately 30,000 additional homes on the Navajo Nation.

NHA's product surface centers on two core programs: a Public Rental Program (income-based rents administered through Housing Management Offices) and a Homeownership Program (new construction, scattered site housing, and unit rehabilitation), supplemented by ancillary services such as public sales of used vehicles. Active housing development includes the 60-unit Capital Vue Apartment Complex in Window Rock, 21 renovated units at Mariano Lake, 20 units at Lukachukai, 6 homes in the Former Bennett Freeze Area, scattered site housing across nine communities, and the rehabilitation of 30 homeownership units in Crownpoint. The organization is not technology-led; its platform consists of a basic online application portal and a third-party bill pay portal, with no proprietary software product.

NHA's revenue model is grant-funded and quasi-recurring: the primary inflow is the formula-based Indian Housing Block Grant under NAHASDA, supplemented by rental receipts from public housing tenants and proceeds from the homeownership program (sales and repayments). The FY2025 Operating and Capital Budget is $43.6 million, the FY2025 Indian Housing Plan proposes $97.2 million in new projects, and total FY2024 housing expenditures reached $69 million. NHA contracts with a small set of Navajo-owned and Navajo-preference construction firms (Souers Construction, Arviso Construction, LAM Corporation, Benally Woodruff Construction, NECA) for development execution, and operates without external equity investors, venture capital, or a parent corporate entity, governed instead by a five-seat Board of Commissioners under Navajo Nation oversight.

Name

Navajo Housing Authority

Legal name

Navajo Housing Authority

Website

https://navajohousingauthority.org

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

101–250 employees

Short description

Navajo Housing Authority is the Navajo Nation's tribally designated housing entity, managing 7,246 units through 15 offices across Arizona and New Mexico via HUD-funded Public Rental and Homeownership Programs serving low-income Navajo families.

Ownership category

akta.pro rank

Product category

Tribal Public Housing Services

NAICS

Lessors of Residential Buildings and Dwellings (53111), Residential Property Managers (531311), Administration of Housing Programs (92511), Administration of Housing Programs (925110), American Indian and Alaska Native Tribal Governments (92115)

SIC

Operators Of Apartment Buildings (6513), Real Estate Agents & Managers (For Others) (6531), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Rural, Tribal & Special-Population Housing Programs (FSALAKAL)

akta.pro secondary industries

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD), Housing & Neighborhood Services (Local Housing Programs) (BPAIACAJ), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

Keywords

• Tribal housing authority
• Public rental housing
• Affordable housing programs
• Homeownership assistance
• Native american housing

Headquarters

HQ city

Window Rock

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Indian Housing Block Grant (IHBG): NHA receives primary funding from HUD's Indian Housing Block Grant under NAHASDA, which provides formula-based grants for housing activities including new construction, modernization, infrastructure development, and housing services.
2. Rental Revenue: Public rental program generates rental income from tenants in public housing units. Tenants pay rent based on income eligibility.
3. Program Income: Revenue generated from homeownership program activities, including proceeds from home sales and repayments.
4. Non-Program Income: Revenue from other sources that can be utilized for family incentives, trash pickup, and fair allocations for public outreach.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Navajo Housing Authority operates the Public Rental Program and the Homeownership Program to deliver affordable rental housing and homeownership opportunities to low-income Navajo families across the Navajo Nation. The organization manages 7,246 housing units through 15 Housing Management Offices in Arizona and New Mexico, administering HUD's Indian Housing Block Grant under the Native American Housing Assistance and Self-Determination Act (NAHASDA). NHA also provides related services including infrastructure development, scattered site home construction, rental assistance, and public sales of agency assets.

Product overview

Navajo Housing Authority (NHA) operates as the tribally designated housing entity for the Navajo Nation since 1963, providing housing programs and services through a network of 15 Housing Management Offices across Arizona and New Mexico. The organization offers a Public Rental Program for affordable housing and a Homeownership Program for families seeking to purchase homes. NHA manages a housing stock of approximately 7,246 units and oversees various construction projects including scattered site housing, apartment complexes, and rehabilitation of existing units. Recent major housing developments include the 60-unit Capital Vue Apartment Complex in Window Rock, the Mariano Lake development with 21 renovated units, and the Former Bennett Freeze Area housing initiative delivering homes to families who waited decades for housing. The organization also provides ancillary services including public sales of used vehicles and operates office facilities like the new Chinle Housing Management Office.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Rental Program Affordable rental housing program providing income-based rental units to low-income Navajo families across the Navajo Nation. Tenants pay rent based on a percentage of their income as determined through HUD eligibility guidelines. The program operates through 15 Housing Management Offices in Arizona and New Mexico.
• Homeownership Program Homeownership program helping low-income Navajo families achieve homeownership through new construction, scattered site housing development, and rehabilitation of existing units. Pricing is income-based under NAHASDA requirements and supports affordable mortgage financing opportunities for eligible families.
• Public Sale Program Ancillary public sale program for selling used vehicles and other agency-held assets to the public through periodic public sales events. Designed to dispose of surplus vehicles and equipment to the general public.
• Capital Vue Apartment Complex New 60-unit public rental apartment complex in Window Rock, Arizona, featuring studio, one-bedroom, and two-bedroom floor plans with modern amenities for working Navajo families seeking upgraded rental housing.
• Scattered Site Housing Program (AZ12-405/NM15-405) Scattered site housing program delivering nine new housing units across remote Navajo Nation communities in Arizona and New Mexico. Design-build construction by LAM Corporation serving families in geographically dispersed locations where centralized housing developments are not feasible.
• Mariano Lake Housing Development (NM15-552) Housing development delivering 21 newly renovated housing units in Mariano Lake, New Mexico, featuring upgraded water systems, sewer systems, and interior finishes for the Mariano Lake Chapter community.
• Crownpoint Homeownership Units (NM15-043) Rehabilitation of 30 non-1937 Act homeownership units in Crownpoint, New Mexico, featuring three, four, and five-bedroom floor plans including reasonable accommodation features for disabled and elderly residents.
• Lukachukai Housing Development Housing development delivering 20 new homes in Lukachukai, Arizona, with infrastructure upgrades including power lines and water mains for the Lukachukai Chapter community.

Quantifiable outcome

• Reduced Undisbursed Fund Factor from $65 million to $19 million in FY2024
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, major, potential and minor.

• U.S. Department of Housing and Urban Development (HUD)coreOthers · 23 October 2024HUD and SWONAP officials meet with NHA quarterly to discuss housing efforts. HUD provides oversight, technical assistance, and Indian Housing Block Grant funding. NHA must comply with NAHASDA regulations and submit Annual Performance Reports and Indian Housing Plans for HUD approval.
• Navajo Engineering and Construction Authority (NECA)coreStrategic or Co-development Partner · 2 October 2024Historic MOA signed October 2, 2024 for horizontal construction projects including residential streets, site flooding and drainage mitigation, demolition of existing structures, and other housing infrastructure. This is NHA's first MOA with NECA in nearly 15 years, addressing bonding capacity issues and contractor shortages. Both entities are Navajo tribal enterprises working together to expedite housing services.
• Navajo Tribal Utility Authority (NTUA)majorStrategic or Co-development PartnerNTUA provides infrastructure including water, electricity, and sewer services for housing developments. NHA collaborates with NTUA on long-term housing plans to avoid duplication of work. NTUA has $50 million in funding for housing-related infrastructure being reallocated due to insufficient applicants.
• Souers ConstructionmajorChannel Partner/ Reseller/ DistributorAlbuquerque-based construction company with decades-long relationship with NHA dating to the 1980s. Currently building Capital Vue Apartment Complex (60 units in Window Rock), Mariano Lake housing (21 units), and Ojo Amarillo housing (46 units). Crew is approximately 100% Navajo. Received notice to proceed March 18, 2024.
• Arviso Construction CompanymajorChannel Partner/ Reseller/ DistributorFamily-owned construction company headquartered in Iyanbito, NM, working with NHA for 43 years. Currently rehabilitating 30 homeownership units in Crownpoint (Project No. NM15-043). Workforce is 99.9% Navajo with 30 permanent workers, expanding to 60 daily during construction. Joint venture with Oakland Construction has bonding capacity over $1 billion.
• LAM CorporationmajorChannel Partner/ Reseller/ DistributorNavajo-owned construction company based in Gallup, NM, building nine scattered site housing units across the Navajo Nation in communities of Aneth, Baca-Prewitt, Chinle, Dilcon, Jeddito, Mexican Water, Newcomb, and White Cone. Design-build contractor with crews working across sites averaging 75 miles apart. Received notice to proceed May 13, 2024.
• Benally Woodruff ConstructioncoreChannel Partner/ Reseller/ DistributorConstruction company that built the new 7,000 sq ft Chinle Housing Management Office building. Also constructing new warehouse for Dilcon Housing Management Office. Project superintendent Norman Leslie emphasizes keeping Navajo people employed on construction projects.
• Native Partnership for Housing (NPH)potentialStrategic or Co-development PartnerNon-profit housing provider met with NHA in August 2024 to establish relationship for building housing units. NPH offers mortgage financing and alternative building methods including modular housing development. Clear Water Construction is NPH's construction partner developing housing and telecommunication systems.
• U.S. Army Corps of EngineersmajorStrategic or Co-development PartnerNHA is negotiating MOU terms with USACE for housing construction services. In-person meeting scheduled with Deputy District Engineer to determine projects USACE could support and development of 7600B task order.
• Bigwater ConstructionpotentialChannel Partner/ Reseller/ DistributorNon-profit construction entity met with NHA at National American Indian Housing Council Convention. Discussed Navajo preference contractors for housing construction. Listed on NHA's vendor preference list and ready to bid on construction projects.
• Native Land Construction and ConsultingpotentialChannel Partner/ Reseller/ DistributorCompany specializes in residential and commercial building construction. Capable of partnering with general contractors. Registered with NHA Procurement Department and received award letter to participate in procurement.
• Navajo Technical UniversityminorStrategic or Co-development PartnerNHA granted planning funds for new student housing development. Met with NTU in August 2024 to discuss federal release of funds process, land surveying, environmental and archaeological reporting, and architect/engineering plans.
• Johns Hopkins Center for Indigenous HealthminorOthersWestern Navajo Agency Council passed resolution supporting Johns Hopkins research study on 'Adaptation and Evaluation of a Brief Evidence-Based Culturally Grounded Home Visiting Intervention to Support Indigenous Adults with Coping and Recovery from Long COVID.'

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Others

• HUD Office of Public and Indian Housing (PIH): The federal funding source and regulator for NHA under NAHASDA. Sets IHBG allocation formulas, reviews Indian Housing Plans, and provides oversight—making it the most consequential counterpart relationship for NHA's funding trajectory.

Broad incumbents

• Chicago Housing Authority: Large municipal housing authority providing public housing and vouchers to low-income Chicago residents. Useful peer for understanding federal-funding compliance, capital planning, and high-rise/unit-mix management at scale.
• Housing Authority of the City of Los Angeles (HACLA): Major metropolitan public housing authority managing a large affordable housing portfolio. Provides a useful benchmark for operating structure, federal grant compliance, and modernization programs at scale.
• New York City Housing Authority (NYCHA): The U.S.'s largest public housing authority, explicitly cited by NHA as comparable in housing-stock scale. Public-sector landlord of multifamily rental units serving low-income residents; relevant comparison for asset-management and federal compliance overhead.

Direct peers

• Hopi Housing Authority: Tribally designated housing entity serving the Hopi Tribe in Arizona, directly adjacent to the Navajo Nation. Operates under the same NAHASDA framework and faces similar rural Arizona challenges (scattered sites, infrastructure constraints).
• Pine Ridge Indian Reservation Housing Authority (Oglala Sioux): TDHE serving the Oglala Sioux Tribe in South Dakota. Operates public rental and homeownership programs funded by IHBG, comparable to NHA's mission of addressing severe housing shortages on tribal trust land.
• Choctaw Nation Housing Authority: Tribally designated housing entity serving Choctaw Nation members with rental, homeownership, and rehabilitation programs funded by IHBG. Same NAHASDA framework, similar grant-dependent operating model to NHA.
• Chickasaw Nation Housing Authority: Oklahoma-based tribal housing entity delivering affordable housing and homeownership services under NAHASDA. Comparable in mission, funding mechanism, and customer base (tribal low-income families) to Navajo Housing Authority.
• Cherokee Nation Housing Authority: Another large tribally designated housing entity under NAHASDA providing public rental, homeownership, and housing services to a Native American nation. Operates a multi-office model highly comparable to NHA's 15 Housing Management Offices.

Emerging players

• Native Partnership for Housing (NPH): Non-profit housing provider that met with NHA in August 2024 to offer mortgage financing and alternative modular housing methods via partner Clear Water Construction. Adjacent provider potentially augmenting NHA's delivery capacity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Navajo Housing Authority