In Sedona, a typical home is worth $786,800 and typical rent is $1,448 a month. Compared with all of Yavapai County, the typical home value is 85% higher and typical rent is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $758,802 to $891,380.
Typical rent
$2,612a month
▲ 3.2% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $2,406 to $2,612.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sedona 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
The typical home in Sedona is worth $786,800,85% more than in Yavapai County as a whole ($425,200).
2
Nearby, in Camp Verde, the typical home value is $318,100: 60% less than in Sedona ($786,800).
3
Nearby, in Camp Verde, the typical rent is $1,059: 27% less than in Sedona ($1,448).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sedona
What homes there are in Sedona, 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
Sedona
Yavapai County
Arizona
United States
Kind of home: Sedona and its comparisons
Measure
Sedona
Yavapai County
Arizona
United States
Detached house
70%
67%
64%
61%
Attached house
7%
3%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
7%
16%
19%
Mobile home
13%
17%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses, standing on their own, make up 70% of homes here, against 67% in Yavapai County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sedona
Yavapai County
Arizona
United States
Year built: Sedona and its comparisons
Measure
Sedona
Yavapai County
Arizona
United States
Before 1960
6%
5%
8%
26%
1960–1979
27%
18%
22%
24%
1980–1999
45%
39%
34%
25%
2000–2009
15%
23%
22%
14%
2010 or later
7%
15%
14%
11%
Homes in Sedona are older: the typical year built is 1987; in Yavapai County, 1995.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K7%
$500K–$750K26%
$750K–$1M19%
$1M or more34%
Value of owner-occupied homes: Sedona and its comparisons
Measure
Sedona
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
7%
$500K–$750K
26%
$750K–$1M
19%
$1M or more
34%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,49919%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sedona and its comparisons
Measure
Sedona
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
19%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,213 a month
Yavapai County: $1,679 a month
Without a mortgage
$743 a month
Yavapai County: $481 a month
Owners with a mortgage
44%
Yavapai County: 55%
Owning costs more in Sedona: with a mortgage, the typical cost is $2,213 a month; in Yavapai County, $1,679. Without one, $743.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sedona+55%
Yavapai County+69%
Arizona+75%
United States+53%
Typical rent
SedonaNo clear change
Yavapai County+43%
Arizona+47%
United States+33%
Typical household income
SedonaNo clear change
Yavapai County+33%
Arizona+36%
United States+29%
Change since 2015–2019: Sedona and its comparisons
Measure
Sedona
Yavapai County
Arizona
United States
Typical home value
+55%
+69%
+75%
+53%
Typical rent
No clear change
+43%
+47%
+33%
Typical household income
No clear change
+33%
+36%
+29%
Homes in Sedona gained value more slowly than in Yavapai County: 55% since 2015–2019, against 69%.
Since 2015–2019, the typical rent in Sedona did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sedona and its comparisons
Measure
Sedona
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
Unreliable estimate
2.3%
4.3%
3.4%
People per household
1.99
2.17
2.53
2.53
Drive alone
49%
71%
67%
69%
Carpool
Unreliable estimate
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
5%
3%
2%
3%
Work from home
35%
14%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Sedona are smaller: 1.99 people on average; in Yavapai County, 2.17.
Working from home is more common in Sedona: 35%, against 14% in Yavapai County.
Do the math
What would you pay each month for a home in Sedona?
A typical home costs more than the typical income allows
We start with a typical home in Sedona, worth $786,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 100% of the typical household income in Sedona, which is $73,738 a year. For that payment to be 28% of income, a household would need to earn about $264,498 a year. Note: at that price the loan is above the FHA limit for Yavapai County ($541,287), so FHA would not insure it; the payment is only a reference.
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 Sedona. 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 $27,538 (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
$6,172
at 7.18% · 30 years
Loan amount
$772,549
Total interest
$1,111,517
Paid off in
November 2056
Includes $13,287 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,721 a month
Tight
$1,721 to $2,212 a month
Hard
more than $2,212 a month
Your payment · 100%
Compared with the typical household income in Sedona ($73,738 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,234
Property tax
$262
Home insurance
$328
FHA mortgage insurance (MIP)
$348
This loan is over the FHA limit
You'd borrow $759,262, but the FHA limit for a one-unit home in Sedona is $541,287. You'd need a bigger down payment or a different loan.
You need at least $27,538 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 $6,172; principal and interest $5,234.
The city and its county
Sedona and Yavapai County
Sedona 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).
Sedona
Map of Yavapai County, Arizona, with Sedona marked. Around it, the neighboring counties.
Sedona
Yavapai County
Other cities with a page
Sedona's own numbers
Typical home value
$786,800
Typical monthly rent
$1,448
Typical yearly household income
$73,738
Households that own their home
73%
Effective property tax rate
0.4%
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 Sedona is worth $786,800: 85% above the county and 99% above Arizona. With the typical household income in Sedona ($73,738 a year), a typical home costs 10.7 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.
Sedona10.7 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
Sedona 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
Sedona$786,800
Yavapai$425,200
Arizona$394,500
United States$332,700
Typical monthly rent
Sedona$1,448
Yavapai$1,351
Arizona$1,543
United States$1,413
Typical yearly household income
Sedona$73,738
Yavapai$69,613
Arizona$79,964
United States$80,734
See the full table
Sedona next to Yavapai County and Arizona
Measure
Sedona
Yavapai County
Arizona
U.S.
Typical home value
$786,800 ▲85% above the county
$425,200
$394,500
$332,700
Typical monthly rent
$1,448 ▲7% above the county
$1,351
$1,543
$1,413
Typical yearly household income
$73,738 ▲6% above the county
$69,613
$79,964
$80,734
Households that own their home
73% ▼2 points below the county
75%
67%
65%
Typical yearly property tax
$3,164 ▲81% above the county
$1,750
$1,879
$3,119
Effective property tax rate
0.4% ▼0.01 points below the county
0.41%
0.48%
0.94%
Renters with high rent for their income
45% ▼2 points below 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 Sedona
For a typical $786,800 home in Sedona, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sedona's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,172a month
Above the FHA limit for Yavapai County ($541,287)
Down payment
$27,538
Cash to close
$51,142
Rate
7.18%
Mortgage insurance
FHA MIP · $348
Conventional, 5% down$6,027a month
Least cash to close
Down payment
$39,340
Cash to close
$62,944
Rate
7.18%
Mortgage insurance
PMI · $374
Conventional, 20% down, no PMI$4,854a month
Down payment
$157,360
Cash to close
$180,964
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,582a month
Down payment
$118,020
Cash to close
$141,624
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sedona
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Yavapai County ($541,287)
$6,172
$27,538
$772,549
7.18%
FHA MIP · $348
$51,142
580
Conventional, 5% down Least cash to close
$6,027
$39,340
$747,460
7.18%
PMI · $374
$62,944
620*
Conventional, 20% down, no PMI
$4,854
$157,360
$629,440
7.18%
None
$180,964
620*
ITIN, 15% down (example)
$5,582
$118,020
$668,780
8.18%
None
$141,624
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Sedona is $1,448 a month: 7% above the county. In Sedona, 45% 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 Sedona
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sedona is in ZIP code 86336.
For 2 bedrooms it is $1,730: $180 more than the fair market rent for Yavapai County ($1,550).
Fair market rent by ZIP code and size in Sedona, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
86336
$1,440
$1,560
$1,730
$2,300
$2,500
ZIP code2 bd3 bd
86336 $1,730$2,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sedona 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.
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 Sedona or Yavapai County. The ones below are statewide in Arizona: they work in Sedona 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).
No legal help resource on our list is for Sedona 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 Sedona 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 Sedona?
The typical home value in Sedona is $786,800, 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 Sedona?
Typical rent in Sedona is $1,448 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 Sedona?
Sedona 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 Sedona?
The typical homeowner in Sedona pays $3,164 a year, according to the U.S. Census Bureau. That is 0.4% of the home’s value; in Yavapai County, the rate is 0.41%.
Where can I find free help to buy or rent in Sedona?
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.
