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City · 12,521 residents · Yavapai County, Arizona

Camp Verde , Arizona

In Camp Verde, a typical home is worth $318,100 and typical rent is $1,059 a month. Compared with all of Yavapai County, the typical home value is 25% lower and typical rent is 22% lower.

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  • Typical home value

    $318,100

    25% below the county

    19% below Arizona

    • Camp Verde
    • Yavapai
    • Arizona

  • Typical rent

    $1,059a month

    22% below the county

    31% below Arizona

    • Camp Verde
    • Yavapai
    • Arizona

  • Typical household income

    $69,203a year

    About the same as the county

    13% below Arizona

    • Camp Verde
    • Yavapai
    • Arizona

  • Households that own their home

    76%

    1 points above the county

    9 points above Arizona

    • Camp Verde
    • Yavapai
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$426,929
1.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Camp Verde is in Yavapai County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Yavapai County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Camp Verde apart

What this place has that others do not, from public data, most unusual first.

  1. Camp Verde has the 4th smallest share of rent-burdened renters of the 76 cities in Arizona with more than 5,000 people (32%).

  2. The typical home in Camp Verde is worth $318,100, 25% less than in Yavapai County as a whole ($425,200).

  3. The typical rent in Camp Verde is $1,059 a month, 22% less than in Yavapai County as a whole ($1,351).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Camp Verde

What homes there are in Camp Verde, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Camp Verde, but it weighs less than in Yavapai County: 61% against 67%.

In Camp Verde there are many mobile homes: 30% of homes; in Yavapai County, 17%.

Year built

By age, homes in Camp Verde look like those in Yavapai County: the typical year built is 1992.

In Camp Verde, 60% of homes have 3 bedrooms or more, about the same as in Yavapai County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 80% of owner-occupied homes in Camp Verde are worth less than the FHA loan limit for Yavapai County ($541,287).

Monthly rent with utilities

With a mortgage

$1,701 a month

Yavapai County: $1,679 a month

Without a mortgage

$492 a month

Yavapai County: $481 a month

Owners with a mortgage

48%

Yavapai County: 55%

Owning costs about the same in Camp Verde as in Yavapai County: with a mortgage, $1,701 a month; without one, $492.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Camp Verde rose 65% since 2015–2019, less than in Yavapai County (69%).

The typical rent in Camp Verde rose 49% over the same time; in Yavapai County, it rose 43%.

Here income gained ground: typical income rose 74%, against +65% for home values and +49% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCamp VerdeYavapai CountyArizonaUnited States
Rental vacancy Unreliable estimate3.4%5.8%5.5%
Homeowner vacancy Unreliable estimate0.9%1.0%0.9%
More than one person per room Unreliable estimate2.3%4.3%3.4%
People per household 2.532.172.532.53
Drive alone 65%71%67%69%
Carpool 24%10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate14%18%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.53 on average, against 2.17 in Yavapai County.

More people carpool to work in Camp Verde than in Yavapai County: 24% against 10%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Camp Verde?

A typical home costs more than the typical income allows

We start with a typical home in Camp Verde, worth $318,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Camp Verde, which is $69,203 a year. For that payment to be 28% of income, a household would need to earn about $107,503 a year.

The calculator's FHA and conventional loan limits are those of all of Yavapai County.

Your numbers

Local data
$

Starts at the typical home value in Camp Verde. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,134 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,508

at 7.18% · 30 years

Loan amount
$312,338
Total interest
$449,381
Paid off in
November 2056

Includes $5,372 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,615 a month

  • Tight

    $1,615 to $2,076 a month

  • Hard

    more than $2,076 a month

    Your payment · 43%

Compared with the typical household income in Camp Verde ($69,203 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,508
Principal & interest$2,116
Property tax$119
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,134 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Camp Verde and Yavapai County

Camp Verde is in Yavapai County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Camp Verde's own numbers

Typical home value
$318,100
Typical monthly rent
$1,059
Typical yearly household income
$69,203
Households that own their home
76%
Effective property tax rate
0.45%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Yavapai County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,550
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Yavapai County.

Everything about Yavapai County

Buying

Buying a home in Camp Verde

A typical home in Camp Verde is worth $318,100: 25% below the county and 19% below Arizona. With the typical household income in Camp Verde ($69,203 a year), a typical home costs 4.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Camp Verde 4.6 years
  • Yavapai 6.1 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Yavapai County

According to FHFA’s house price index, home prices in Yavapai County rose 121% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Yavapai County.

Period County Arizona U.S.
Last year (2025) +2.6% +0.9% +2.9%
5 years (2020–2025) +55% +55% +47%
10 years (2015–2025) +121% +119% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Camp Verde next to Yavapai County, Arizona and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Camp Verde $318,100
  • Yavapai $425,200
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Camp Verde $1,059
  • Yavapai $1,351
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Camp Verde $69,203
  • Yavapai $69,613
  • Arizona $79,964
  • United States $80,734
See the full table
Camp Verde next to Yavapai County and Arizona
Measure Camp Verde Yavapai County Arizona U.S.
Typical home value $318,100 $425,200 $394,500 $332,700
Typical monthly rent $1,059 $1,351 $1,543 $1,413
Typical yearly household income $69,203 $69,613 $79,964 $80,734
Households that own their home 76% 75% 67% 65%
Typical yearly property tax $1,446 $1,750 $1,879 $3,119
Effective property tax rate 0.45% 0.41% 0.48% 0.94%
Renters with high rent for their income 32% 46% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Yavapai County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Camp Verde

For a typical $318,100 home in Camp Verde, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camp Verde's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,508a month

    Least cash to close
    Down payment
    $11,134
    Cash to close
    $20,677
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,450a month

    Down payment
    $15,905
    Cash to close
    $25,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $151

  • Conventional, 20% down, no PMI $1,976a month

    Down payment
    $63,620
    Cash to close
    $73,163
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,270a month

    Down payment
    $47,715
    Cash to close
    $57,258
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Camp Verde and for Yavapai County.

Property tax

Effective rate in Camp Verde

0.45%of the home’s value each year

$1,446 a year for the typical owner in Camp Verde.

  • Camp Verde 0.45%
  • Yavapai 0.41%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Yavapai County

FEMA does not publish these numbers by city: they are for all of Yavapai County.

Homes in the high-risk zone
3.7%
4,210
Of those, with NFIP insurance
24%
County Arizona U.S.
Homes in the high-risk zone 3.7% 2.2% 3.5%
Of those, with NFIP insurance 24% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Camp Verde

Typical rent in Camp Verde is $1,059 a month: 22% below the county. In Camp Verde, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Yavapai County, by unit size. To pay the 2-bedroom one ($1,550 a month) without spending more than 30% of your income, you would need to earn $29.81 an hour working full time.

HUD fair market rent for all of Yavapai County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,079 $20.75 $43,160
1 bedroom $1,242 $23.88 $49,680
2 bedrooms $1,550 $29.81 $62,000
3 bedrooms $2,146 $41.27 $85,840
4 bedrooms $2,263 $43.52 $90,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Camp Verde

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camp Verde is in ZIP code 86322.

For 2 bedrooms it is $1,480: $70 less than the fair market rent for Yavapai County ($1,550).

  • 86322 $1,480$2,050

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Camp Verde when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Camp Verde

HUD lists 8 buildings with rents for lower incomes in Camp Verde. These are the largest.

  • Parkway Apts 300 S Cliffs Pkwy, Camp Verde 86322 59 low-income homes · 2 bd: 28 · 3 bd: 31 · In service since 2003
  • Yavapai-Apache Nation #1 3455 N Shaw Ave, Camp Verde 86322 44 low-income homes · 2 bd: 8 · 3 bd: 31 · 4 bd: 5 · In service since 2004
  • Verde View Senior Apartments 377 W State Route 260, Camp Verde 86322 41 homes, 40 low-income · For older adults (928) 567-9378
  • Yavapai-Apache Homes V E. Cherry Creek Road, Camp Verde 86322 38 low-income homes · 2 bd: 2 · 3 bd: 32 · 4 bd: 4 · In service since 2016 · For families
  • Yavapai-Apache Homes Vi Various Along E. Cherry Creek Rd., River Way, + Water Circle, Camp Verde 86322 35 low-income homes · 2 bd: 2 · 3 bd: 30 · 4 bd: 3 · In service since 2017 · For families

See all 35 buildings in Yavapai County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Camp Verde

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Yavapai County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Camp Verde

No down payment, repair or rent-help program on our list is for Camp Verde or Yavapai County. The ones below are statewide in Arizona: they work in Camp Verde the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years. Offered by Arizona Industrial Development Authority (Arizona IDA).

    ForgivableDeferred

    See the program Official page

Housing counselors near Camp Verde

The HUD-approved agencies closest to the center of Camp Verde, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Solutions of Northern Arizona, Inc

    1500 E Cedar Ave Ste 86, Flagstaff · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (928) 214-7456

  • Take Charge America

    20430 N 19th Ave, Phoenix · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (866) 987-2008

  • Take Charge America- El Centro

    20430 N 19th Ave, Phoenix · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 987-2008

All counseling agencies in Arizona

Help in Spanish near Camp Verde

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Camp Verde

HUD lists no housing authority with an office in Yavapai County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Arizona Source: HUD

Cities

Other cities in Yavapai County

These cities are also in Yavapai County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Yavapai County Housing in Arizona

Nearby cities

The cities closest to Camp Verde, with the typical home value.

Neighboring counties

If Yavapai County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Camp Verde.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Camp Verde

Short answers with the numbers for Camp Verde and all of Yavapai County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Camp Verde?

The typical home value in Camp Verde is $318,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yavapai County it is $425,200.

How much does it cost to rent in Camp Verde?

Typical rent in Camp Verde is $1,059 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yavapai County is $1,550.

What is the FHA loan limit in Camp Verde?

Camp Verde uses the FHA limit for all of Yavapai County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Camp Verde?

The typical homeowner in Camp Verde pays $1,446 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Yavapai County, the rate is 0.41%.

Where can I find free help to buy or rent in Camp Verde?

We found no HUD-approved counseling agencies with an office in Yavapai County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).