In Golden Valley, a typical home is worth $176,000 and typical rent is $1,134 a month. Compared with all of Mohave County, the typical home value is 37% lower, typical household income is 26% lower, and the share of households that own their home is 18 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $211,392 to $240,244.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Golden Valley is in Mohave 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 Mohave County. See the county
What this place has that others do not, from public data, most unusual first.
1
Golden Valley has the 4th lowest typical household income of the 94 cities in Arizona with more than 5,000 people ($42,585).
2
92% of households in Golden Valley own their home, against 74% in Mohave County.
3
Nearby, in New Kingman-Butler, the typical home value is $118,900: 32% less than in Golden Valley ($176,000).
4
The typical home in Golden Valley is worth $176,000,37% less than in Mohave County as a whole ($281,000).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Golden Valley rose 2.7%; in Arizona, it fell 1%.
6
14% of households in Golden Valley have no internet at home (9% in Mohave County).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Golden Valley
What homes there are in Golden 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Golden Valley
Mohave County
Arizona
United States
Kind of home: Golden Valley and its comparisons
Measure
Golden Valley
Mohave County
Arizona
United States
Detached house
35%
62%
64%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
16%
19%
Mobile home
61%
24%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
No kind of home is the majority in Golden Valley; the largest group, mobile homes, adds up to 61%, against 24% in Mohave County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Golden Valley
Mohave County
Arizona
United States
Year built: Golden Valley and its comparisons
Measure
Golden Valley
Mohave County
Arizona
United States
Before 1960
Unreliable estimate
2%
8%
26%
1960–1979
11%
17%
22%
24%
1980–1999
41%
43%
34%
25%
2000–2009
36%
26%
22%
14%
2010 or later
11%
12%
14%
11%
The typical year built in Golden Valley is 1998, about the same as in Mohave County (1995).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K32%
$100K–$200K24%
$200K–$300K30%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Golden Valley and its comparisons
Measure
Golden Valley
Under $100K
32%
$100K–$200K
24%
$200K–$300K
30%
$300K–$500K
12%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 98% of owner-occupied homes in Golden Valley are worth less than $500,000, below the FHA loan limit for Mohave County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49973%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Golden Valley and its comparisons
Measure
Golden Valley
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
73%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,185 a month
Mohave County: $1,408 a month
Without a mortgage
$348 a month
Mohave County: $401 a month
Owners with a mortgage
45%
Mohave County: 52%
Owning costs less in Golden Valley: with a mortgage, the typical cost is $1,185 a month; in Mohave County, $1,408. Without one, $348.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Golden Valley+116%
Mohave County+75%
Arizona+75%
United States+53%
Typical rent
Golden Valley+51%
Mohave County+32%
Arizona+47%
United States+33%
Typical household income
Golden ValleyNo clear change
Mohave County+27%
Arizona+36%
United States+29%
Change since 2015–2019: Golden Valley and its comparisons
Measure
Golden Valley
Mohave County
Arizona
United States
Typical home value
+116%
+75%
+75%
+53%
Typical rent
+51%
+32%
+47%
+33%
Typical household income
No clear change
+27%
+36%
+29%
Since 2015–2019, homes in Golden Valley gained value faster than in Mohave County: 116% against 75%.
Since 2015–2019, the typical rent in Golden Valley rose 51%, more than in Mohave County (32%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Golden Valley and its comparisons
Measure
Golden Valley
Mohave County
Arizona
United States
Rental vacancy
Unreliable estimate
2.5%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.4%
4.3%
3.4%
People per household
2.08
2.12
2.53
2.53
Drive alone
61%
76%
67%
69%
Carpool
26%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
9%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
A household in Golden Valley has 2.08 people on average, about the same as in Mohave County (2.12).
Carpooling is common in Golden Valley: 26% of workers get to work that way, against 11% in Mohave County.
Do the math
What would you pay each month for a home in Golden Valley?
A typical home costs more than the typical income allows
We start with a typical home in Golden Valley, worth $176,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Golden Valley, which is $42,585 a year. For that payment to be 28% of income, a household would need to earn about $58,977 a year.
The calculator's FHA and conventional loan limits are those of all of Mohave County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Golden Valley. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,160 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,376
at 7.18% · 30 years
Loan amount
$172,812
Total interest
$248,636
Paid off in
November 2056
Includes $2,972 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $994 a month
Tight
$994 to $1,278 a month
Hard
more than $1,278 a month
Your payment · 39%
Compared with the typical household income in Golden Valley ($42,585 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,171
Property tax
$54
Home insurance
$73
FHA mortgage insurance (MIP)
$78
You need at least $6,160 for the down payment, plus closing costs.
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.
Total monthly payment $1,376; principal and interest $1,171.
The city and its county
Golden Valley and Mohave County
Golden Valley is in Mohave 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).
Golden Valley
Map of Mohave County, Arizona, with Golden Valley marked. Around it, the neighboring counties.
Golden Valley
Mohave County
Other cities with a page
Golden Valley's own numbers
Typical home value
$176,000
Typical monthly rent
$1,134
Typical yearly household income
$42,585
Households that own their home
92%
Effective property tax rate
0.37%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mohave County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,229
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.1%
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 Mohave County.
A typical home in Golden Valley is worth $176,000: 37% below the county and 55% below Arizona. With the typical household income in Golden Valley ($42,585 a year), a typical home costs 4.1 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.
Golden Valley4.1 years
Mohave4.9 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mohave County
According to FHFA’s house price index, home prices in Mohave County rose 116% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mohave County.
Yearly change in FHFA’s price index in Mohave County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +7.7% +7.7% 2017
2018: +10.6% +10.6% 2018
2019: +7.8% +7.8% 2019
2020: +7.0% +7.0% 2020
2021: +20.3% +20.3% 2021
2022: +19.3% +19.3% 2022
2023: −0.2% −0.2% 2023
2024: +2.8% +2.8% 2024
2025: +1.0% +1.0% 2025
Change in FHFA’s price index in Mohave County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+1.0%
+0.9%
+2.9%
5 years (2020–2025)
+49%
+55%
+47%
10 years (2015–2025)
+116%
+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
Golden Valley next to Mohave 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
Golden Valley$176,000
Mohave$281,000
Arizona$394,500
United States$332,700
Typical monthly rent
Golden Valley$1,134
Mohave$1,091
Arizona$1,543
United States$1,413
Typical yearly household income
Golden Valley$42,585
Mohave$57,684
Arizona$79,964
United States$80,734
See the full table
Golden Valley next to Mohave County and Arizona
Measure
Golden Valley
Mohave County
Arizona
U.S.
Typical home value
$176,000 ▼37% below the county
$281,000
$394,500
$332,700
Typical monthly rent
$1,134 ▲4% above the county
$1,091
$1,543
$1,413
Typical yearly household income
$42,585 ▼26% below the county
$57,684
$79,964
$80,734
Households that own their home
92% ▲18 points above the county
74%
67%
65%
Typical yearly property tax
$658 ▼47% below the county
$1,238
$1,879
$3,119
Effective property tax rate
0.37% ▼0.07 points below the county
0.44%
0.48%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mohave 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 Golden Valley
For a typical $176,000 home in Golden Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Golden Valley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,376a month
Least cash to close
Down payment
$6,160
Cash to close
$11,440
Rate
7.18%
Mortgage insurance
FHA MIP · $78
Conventional, 5% down$1,344a month
Down payment
$8,800
Cash to close
$14,080
Rate
7.18%
Mortgage insurance
PMI · $84
Conventional, 20% down, no PMI$1,081a month
Down payment
$35,200
Cash to close
$40,480
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,244a month
Down payment
$26,400
Cash to close
$31,680
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Golden Valley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,376
$6,160
$172,812
7.18%
FHA MIP · $78
$11,440
580
Conventional, 5% down
$1,344
$8,800
$167,200
7.18%
PMI · $84
$14,080
620*
Conventional, 20% down, no PMI
$1,081
$35,200
$140,800
7.18%
None
$40,480
620*
ITIN, 15% down (example)
$1,244
$26,400
$149,600
8.18%
None
$31,680
Set by the lender
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.
Typical rent in Golden Valley is $1,134 a month: 4% above the county.
HUD publishes a fair market rent for all of Mohave County, by unit size. To pay the 2-bedroom one ($1,229 a month) without spending more than 30% of your income, you would need to earn $23.63 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Mohave County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$953
$18.33
$38,120
1 bedroom
$959
$18.44
$38,360
2 bedrooms
$1,229
$23.63
$49,160
3 bedrooms
$1,708
$32.85
$68,320
4 bedrooms
$1,881
$36.17
$75,240
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 Golden Valley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Golden Valley is in ZIP code 86413.
For 2 bedrooms it is $1,230: $1 more than the fair market rent for Mohave County ($1,229).
Fair market rent by ZIP code and size in Golden Valley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
86413
$950
$960
$1,230
$1,710
$1,890
ZIP code2 bd3 bd
86413 $1,230$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Golden 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
There is 1 HUD-approved agency with an office in Mohave County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Golden Valley or Mohave County. The ones below are statewide in Arizona: they work in Golden Valley the same as in the rest of the state.
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).
The HUD-approved agencies closest to the center of Golden Valley, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
WA
Western Arizona Council of Governments (WACOG) - Kingman Branch Office
No legal help resource on our list is for Golden Valley or Mohave County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Golden Valley and all of Mohave 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 Golden Valley?
The typical home value in Golden Valley is $176,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mohave County it is $281,000.
How much does it cost to rent in Golden Valley?
Typical rent in Golden Valley is $1,134 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mohave County is $1,229.
What is the FHA loan limit in Golden Valley?
Golden Valley uses the FHA limit for all of Mohave 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 Golden Valley?
The typical homeowner in Golden Valley pays $658 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Mohave County, the rate is 0.44%.
Where can I find free help to buy or rent in Golden Valley?
There is 1 HUD-approved counseling agency with an office in Mohave County. They can help you get ready to buy, with your credit, or with rent.
