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City · 13,602 residents · Yavapai County, Arizona

Chino Valley , Arizona

In Chino Valley, a typical home is worth $394,700 and typical rent is $1,248 a month. Compared with all of Yavapai County, typical household income is 12% lower, typical rent is 8% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $394,700

    7% below the county

    About the same as Arizona

    • Chino Valley
    • Yavapai
    • Arizona

  • Typical rent

    $1,248a month

    8% below the county

    19% below Arizona

    • Chino Valley
    • Yavapai
    • Arizona

  • Typical household income

    $61,237a year

    12% below the county

    23% below Arizona

    • Chino Valley
    • Yavapai
    • Arizona

  • Households that own their home

    83%

    8 points above the county

    16 points above Arizona

    • Chino Valley
    • Yavapai
    • Arizona

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

Market now, with Zillow data

Zillow data
Typical home value
$493,692
1.6% more than 12 months ago

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

Chino Valley 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 Chino Valley apart

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

  1. Chino Valley has the 3rd smallest share of rent-burdened renters of the 76 cities in Arizona with more than 5,000 people (32%).

  2. Nearby, in Cottonwood, the typical home value is $324,100: 18% less than in Chino Valley ($394,700).

  3. 83% of households in Chino Valley own their home, against 75% in Yavapai County.

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

The homes here

Housing in Chino Valley

What homes there are in Chino Valley, 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

In Chino Valley, 6 in 10 homes are single-family detached houses; in Yavapai County, 7.

In Chino Valley there are many mobile homes: 32% of homes; in Yavapai County, 17%.

Year built

The typical home in Chino Valley was built in 2000, 5 years after the typical one in Yavapai County.

There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 60% 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 78% of owner-occupied homes in Chino Valley are worth less than the FHA loan limit for Yavapai County ($541,287).

Monthly rent with utilities

With a mortgage

$1,618 a month

Yavapai County: $1,679 a month

Without a mortgage

$427 a month

Yavapai County: $481 a month

Owners with a mortgage

51%

Yavapai County: 55%

The typical cost for an owner with a mortgage in Chino Valley is $1,618 a month, near the figure in Yavapai County ($1,679).

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

From 2015–2019 to 2020–2024, the typical home value in Chino Valley rose 72%; in Yavapai County, it rose 69%.

Much as in Yavapai County, the typical rent in Chino Valley rose 43% since 2015–2019.

The typical household income in Chino Valley rose 23%: less than home values (+72%) and rent (+43%).

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

MeasureChino ValleyYavapai 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 2.372.172.532.53
Drive alone 73%71%67%69%
Carpool 12%10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 12%14%18%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Chino Valley has 2.37 people, more than in Yavapai County (2.17).

In Chino Valley, 73% of workers drive alone to work; in Yavapai County, 71%.

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 Chino Valley?

A typical home costs more than the typical income allows

We start with a typical home in Chino Valley, worth $394,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Chino Valley, which is $61,237 a year. For that payment to be 28% of income, a household would need to earn about $132,404 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 Chino Valley. 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 $13,815 (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

$3,089

at 7.18% · 30 years

Loan amount
$387,550
Total interest
$557,594
Paid off in
November 2056

Includes $6,665 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,429 a month

  • Tight

    $1,429 to $1,837 a month

  • Hard

    more than $1,837 a month

    Your payment · 61%

Compared with the typical household income in Chino Valley ($61,237 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,089
Principal & interest$2,625
Property tax$125
Home insurance$165
FHA mortgage insurance (MIP)$175

You need at least $13,815 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

Chino Valley and Yavapai County

Chino Valley 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).

Chino Valley's own numbers

Typical home value
$394,700
Typical monthly rent
$1,248
Typical yearly household income
$61,237
Households that own their home
83%
Effective property tax rate
0.38%

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 Chino Valley

A typical home in Chino Valley is worth $394,700: 7% below the county and about the same as Arizona. With the typical household income in Chino Valley ($61,237 a year), a typical home costs 6.4 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.

  • Chino Valley 6.4 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

Chino Valley 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
  • Chino Valley $394,700
  • Yavapai $425,200
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Chino Valley $1,248
  • Yavapai $1,351
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Chino Valley $61,237
  • Yavapai $69,613
  • Arizona $79,964
  • United States $80,734
See the full table
Chino Valley next to Yavapai County and Arizona
Measure Chino Valley Yavapai County Arizona U.S.
Typical home value $394,700 $425,200 $394,500 $332,700
Typical monthly rent $1,248 $1,351 $1,543 $1,413
Typical yearly household income $61,237 $69,613 $79,964 $80,734
Households that own their home 83% 75% 67% 65%
Typical yearly property tax $1,497 $1,750 $1,879 $3,119
Effective property tax rate 0.38% 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 Chino Valley

For a typical $394,700 home in Chino Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chino Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,089a month

    Least cash to close
    Down payment
    $13,815
    Cash to close
    $25,656
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $175

  • Conventional, 5% down $3,017a month

    Down payment
    $19,735
    Cash to close
    $31,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $187

  • Conventional, 20% down, no PMI $2,429a month

    Down payment
    $78,940
    Cash to close
    $90,781
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,793a month

    Down payment
    $59,205
    Cash to close
    $71,046
    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 Chino Valley and for Yavapai County.

Property tax

Effective rate in Chino Valley

0.38%of the home’s value each year

$1,497 a year for the typical owner in Chino Valley.

  • Chino Valley 0.38%
  • 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 Chino Valley

Typical rent in Chino Valley is $1,248 a month: 8% below the county. In Chino Valley, 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 Chino Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chino Valley is in ZIP code 86323.

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

  • 86323 $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 Chino Valley 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 Chino Valley

HUD lists 2 buildings with rents for lower incomes in Chino Valley. These are the largest.

  • Antelope Valley Apts 1555 S Hwy 89, Chino Valley 86323 64 low-income homes · 2 bd: 28 · 3 bd: 36 · In service since 2003
  • Granite Creek Apts 160 N Hwy 89, Chino Valley 86323 32 homes, 31 low-income · 1 bd: 12 · 2 bd: 20 · In service since 1991

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

Free help

Help to buy or rent in Chino Valley

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Chino Valley

No down payment, repair or rent-help program on our list is for Chino Valley or Yavapai County. The ones below are statewide in Arizona: they work in Chino Valley 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 Chino Valley

The HUD-approved agencies closest to the center of Chino Valley, 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 · 55 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 · 76 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 · 76 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 Chino Valley

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 Chino Valley

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 Chino Valley, 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 Chino Valley.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Chino Valley

Short answers with the numbers for Chino Valley 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 Chino Valley?

The typical home value in Chino Valley is $394,700, 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 Chino Valley?

Typical rent in Chino Valley is $1,248 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 Chino Valley?

Chino Valley 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 Chino Valley?

The typical homeowner in Chino Valley pays $1,497 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Yavapai County, the rate is 0.41%.

Where can I find free help to buy or rent in Chino Valley?

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).