In Prescott Valley, a typical home is worth $413,200 and typical rent is $1,580 a month. Compared with all of Yavapai County, typical rent is 17% higher and typical household income is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $413,085 to $454,799.
Typical rent
$1,793a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,548 to $1,793.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Prescott 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cottonwood, the typical rent is $1,120: 29% less than in Prescott Valley ($1,580).
2
Nearby, in Cottonwood, the typical home value is $324,100: 22% less than in Prescott Valley ($413,200).
3
The typical rent in Prescott Valley is $1,580 a month, 17% more than in Yavapai County as a whole ($1,351).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Prescott Valley
What homes there are in Prescott 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
Prescott Valley
Yavapai County
Arizona
United States
Kind of home: Prescott Valley and its comparisons
Measure
Prescott Valley
Yavapai County
Arizona
United States
Detached house
69%
67%
64%
61%
Attached house
5%
3%
5%
6%
Building of 2 to 4
9%
5%
5%
8%
Apartments (5 or more)
5%
7%
16%
19%
Mobile home
13%
17%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Prescott Valley, 7 in 10 homes are single-family detached houses, about the same as in Yavapai County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Prescott Valley
Yavapai County
Arizona
United States
Year built: Prescott Valley and its comparisons
Measure
Prescott Valley
Yavapai County
Arizona
United States
Before 1960
Unreliable estimate
5%
8%
26%
1960–1979
7%
18%
22%
24%
1980–1999
38%
39%
34%
25%
2000–2009
28%
23%
22%
14%
2010 or later
27%
15%
14%
11%
Here half of the homes date from 2002 or later; in Yavapai County, from 1995 or later.
There is more room for a big family here: 70% of homes have 3 bedrooms or more, against 60% in Yavapai County.
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 $100K4%
$100K–$200K6%
$200K–$300K14%
$300K–$500K50%
$500K–$750K23%
FHA limit: $541,287
$750K–$1M3%
$1M or moreUnreliable
Value of owner-occupied homes: Prescott Valley and its comparisons
Measure
Prescott Valley
Under $100K
4%
$100K–$200K
6%
$200K–$300K
14%
$300K–$500K
50%
$500K–$750K
23%
$750K–$1M
3%
$1M or more
Unreliable estimate
The FHA loan limit for Yavapai County is $541,287, and about 78% of owner-occupied homes in Prescott Valley are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99916%
$1,000–$1,49928%
$1,500–$1,99931%
$2,000–$2,49921%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Prescott Valley and its comparisons
Measure
Prescott Valley
Under $500
Unreliable estimate
$500–$999
16%
$1,000–$1,499
28%
$1,500–$1,999
31%
$2,000–$2,499
21%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,622 a month
Yavapai County: $1,679 a month
Without a mortgage
$441 a month
Yavapai County: $481 a month
Owners with a mortgage
59%
Yavapai County: 55%
In Prescott Valley, 59% of owners have a mortgage; their typical cost is $1,622 a month, about the same as in Yavapai County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Prescott Valley+81%
Yavapai County+69%
Arizona+75%
United States+53%
Typical rent
Prescott Valley+59%
Yavapai County+43%
Arizona+47%
United States+33%
Typical household income
Prescott Valley+44%
Yavapai County+33%
Arizona+36%
United States+29%
Change since 2015–2019: Prescott Valley and its comparisons
Measure
Prescott Valley
Yavapai County
Arizona
United States
Typical home value
+81%
+69%
+75%
+53%
Typical rent
+59%
+43%
+47%
+33%
Typical household income
+44%
+33%
+36%
+29%
The typical home value in Prescott Valley rose 81% since 2015–2019, more than in Yavapai County (69%).
Since 2015–2019, the typical rent in Prescott Valley rose 59%, more than in Yavapai County (43%).
Housing prices ran ahead of income in Prescott Valley: typical income rose 44%, against +81% for home values and +59% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Prescott Valley and its comparisons
Measure
Prescott Valley
Yavapai County
Arizona
United States
Rental vacancy
Unreliable estimate
3.4%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.0%
0.9%
More than one person per room
2.3%
2.3%
4.3%
3.4%
People per household
2.33
2.17
2.53
2.53
Drive alone
74%
71%
67%
69%
Carpool
9%
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
2%
3%
2%
3%
Work from home
14%
14%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Yavapai County, 2.3% of households in Prescott Valley have more than one person per room.
On average, a household in Prescott Valley has 2.33 people, more than in Yavapai County (2.17).
To get to work, 74% of workers in Prescott Valley drive alone; in Yavapai County, 71%.
Do the math
What would you pay each month for a home in Prescott Valley?
A typical home costs more than the typical income allows
We start with a typical home in Prescott Valley, worth $413,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Prescott Valley, which is $74,569 a year. For that payment to be 28% of income, a household would need to earn about $139,348 a year.
The calculator's FHA and conventional loan limits are those of all of Yavapai 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 Prescott 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 $14,462 (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
$3,251
at 7.18% · 30 years
Loan amount
$405,716
Total interest
$583,730
Paid off in
November 2056
Includes $6,978 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,740 a month
Tight
$1,740 to $2,237 a month
Hard
more than $2,237 a month
Your payment · 52%
Compared with the typical household income in Prescott Valley ($74,569 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,748
Property tax
$148
Home insurance
$172
FHA mortgage insurance (MIP)
$183
You need at least $14,462 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 $3,251; principal and interest $2,748.
The city and its county
Prescott Valley and Yavapai County
Prescott 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).
Prescott Valley
Map of Yavapai County, Arizona, with Prescott Valley marked. Around it, the neighboring counties.
Prescott Valley
Yavapai County
Other cities with a page
Prescott Valley's own numbers
Typical home value
$413,200
Typical monthly rent
$1,580
Typical yearly household income
$74,569
Households that own their home
72%
Effective property tax rate
0.43%
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.
A typical home in Prescott Valley is worth $413,200: 3% below the county and 5% above Arizona. With the typical household income in Prescott Valley ($74,569 a year), a typical home costs 5.5 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.
Prescott Valley5.5 years
Yavapai6.1 years
Arizona4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Yavapai County, 2016 to 2025
2016: +7.0% +7.0% 2016
2017: +9.0% +9.0% 2017
2018: +9.2% +9.2% 2018
2019: +6.4% +6.4% 2019
2020: +5.1% +5.1% 2020
2021: +18.1% +18.1% 2021
2022: +19.4% +19.4% 2022
2023: +3.2% +3.2% 2023
2024: +3.8% +3.8% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Yavapai County, Arizona and the United States
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
Prescott 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
Prescott Valley$413,200
Yavapai$425,200
Arizona$394,500
United States$332,700
Typical monthly rent
Prescott Valley$1,580
Yavapai$1,351
Arizona$1,543
United States$1,413
Typical yearly household income
Prescott Valley$74,569
Yavapai$69,613
Arizona$79,964
United States$80,734
See the full table
Prescott Valley next to Yavapai County and Arizona
Measure
Prescott Valley
Yavapai County
Arizona
U.S.
Typical home value
$413,200 ▼3% below the county
$425,200
$394,500
$332,700
Typical monthly rent
$1,580 ▲17% above the county
$1,351
$1,543
$1,413
Typical yearly household income
$74,569 ▲7% above the county
$69,613
$79,964
$80,734
Households that own their home
72% ▼3 points below the county
75%
67%
65%
Typical yearly property tax
$1,792 ▲2% above the county
$1,750
$1,879
$3,119
Effective property tax rate
0.43% ▲0.02 points above the county
0.41%
0.48%
0.94%
Renters with high rent for their income
50% ▲4 points above the county
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 Prescott Valley
For a typical $413,200 home in Prescott Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Prescott Valley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,251a month
Least cash to close
Down payment
$14,462
Cash to close
$26,858
Rate
7.18%
Mortgage insurance
FHA MIP · $183
Conventional, 5% down$3,176a month
Down payment
$20,660
Cash to close
$33,056
Rate
7.18%
Mortgage insurance
PMI · $196
Conventional, 20% down, no PMI$2,560a month
Down payment
$82,640
Cash to close
$95,036
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,942a month
Down payment
$61,980
Cash to close
$74,376
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Prescott Valley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,251
$14,462
$405,716
7.18%
FHA MIP · $183
$26,858
580
Conventional, 5% down
$3,176
$20,660
$392,540
7.18%
PMI · $196
$33,056
620*
Conventional, 20% down, no PMI
$2,560
$82,640
$330,560
7.18%
None
$95,036
620*
ITIN, 15% down (example)
$2,942
$61,980
$351,220
8.18%
None
$74,376
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 Prescott Valley is $1,580 a month: 17% above the county. In Prescott Valley, 50% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Yavapai County (Fiscal year 2027)
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 Prescott Valley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Prescott Valley has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,690 in 86314 to $2,330 in 86315.
3 of the 3 are above the fair market rent for Yavapai County ($1,550).
2-bedroom fair market rent in each of the 3 ZIP codes of Prescott Valley, beside the one for Yavapai County. For 2 bedrooms it runs from $1,690 in 86314 to $2,330 in 86315. 3 of the 3 are above the fair market rent for Yavapai County ($1,550).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,550
Lowest: $1,690 (86314)Highest: $2,330 (86315)
Fair market rent by ZIP code and size in Prescott Valley, fiscal year 2027.
86314
$1,180
$1,350
$1,690
$2,340
$2,470
86315
$1,620
$1,870
$2,330
$3,230
$3,400
86327
$1,180
$1,360
$1,700
$2,350
$2,480
ZIP code2 bd3 bd
86314 $1,690$2,340
86315 $2,330$3,230
86327 $1,700$2,350
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Prescott 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)
HUD lists 8 buildings with rents for lower incomes in Prescott Valley. These are the largest.
Valley View Apts3701 N Windsong Dr, Prescott Valley 8631480 homes, 76 low-income · 2 bd: 40 · 3 bd: 40 · In service since 2004
Valley View Apts II3883 N Windsong Dr, Prescott Valley 8631472 homes, 66 low-income · 1 bd: 16 · 2 bd: 24 · 3 bd: 32 · In service since 2008
Sungate Villa Senior Community I3850 N Civic Dr NE, Prescott Valley 8631464 low-income homes · 1 bd: 24 · 2 bd: 40 · In service since 2007 · For older adults
Sungate Villa Senior Community II3870 N Civic Dr NE, Prescott Valley 8631454 homes, 48 low-income · 1 bd: 28 · 2 bd: 26 · In service since 2010 · For older adults
Prescott Valley Elderly3250 N Majesty Dr, Prescott Valley 8631437 low-income homes · 1 bd: 37 · In service since 1993 · For older adults
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.
No down payment, repair or rent-help program on our list is for Prescott Valley or Yavapai County. The ones below are statewide in Arizona: they work in Prescott 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 Prescott Valley, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
HS
Housing Solutions of Northern Arizona, Inc
1500 E Cedar Ave Ste 86, Flagstaff · 58 miles away · Spanish
No legal help resource on our list is for Prescott Valley or Yavapai 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 Prescott 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 Prescott Valley?
The typical home value in Prescott Valley is $413,200, 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 Prescott Valley?
Typical rent in Prescott Valley is $1,580 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 Prescott Valley?
Prescott 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 Prescott Valley?
The typical homeowner in Prescott Valley pays $1,792 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Yavapai County, the rate is 0.41%.
Where can I find free help to buy or rent in Prescott 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.
