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City · 6,356 residents · Yavapai County, Arizona

Village of Oak Creek (Big Park) , Arizona

In Village of Oak Creek (Big Park), a typical home is worth $741,100 and typical rent is $1,786 a month. Compared with all of Yavapai County, the typical home value is 74% higher, typical rent is 32% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $741,100

    74% above the county

    88% above Arizona

    • Village of Oak Creek (Big Park)
    • Yavapai
    • Arizona

  • Typical rent

    $1,786a month

    32% above the county

    16% above Arizona

    • Village of Oak Creek (Big Park)
    • Yavapai
    • Arizona

  • Typical household income

    $80,878a year

    16% above the county

    About the same as Arizona

    • Village of Oak Creek (Big Park)
    • Yavapai
    • Arizona

  • Households that own their home

    69%

    6 points below the county

    2 points above Arizona

    • Village of Oak Creek (Big Park)
    • Yavapai
    • Arizona

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

Village of Oak Creek (Big Park) 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 Village of Oak Creek (Big Park) apart

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

  1. The typical home in Village of Oak Creek (Big Park) is worth $741,100, 74% more than in Yavapai County as a whole ($425,200).

  2. Nearby, in Camp Verde, the typical home value is $318,100: 57% less than in Village of Oak Creek (Big Park) ($741,100).

  3. Nearby, in Camp Verde, the typical rent is $1,059: 41% less than in Village of Oak Creek (Big Park) ($1,786).

  4. The typical rent in Village of Oak Creek (Big Park) is $1,786 a month, 32% more than in Yavapai County as a whole ($1,351).

  5. The typical household income in Village of Oak Creek (Big Park) is $80,878, 16% more than in Yavapai County as a whole ($69,613).

  6. 69% of households in Village of Oak Creek (Big Park) own their home, against 75% in Yavapai County.

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

The homes here

Housing in Village of Oak Creek (Big Park)

What homes there are in Village of Oak Creek (Big Park), 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 Village of Oak Creek (Big Park), 7 in 10 homes are single-family detached houses; in Yavapai County, 7.

Year built

In Village of Oak Creek (Big Park), half of the homes were built before 1991; in Yavapai County, before 1995.

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
Monthly rent with utilities

With a mortgage

$1,992 a month

Yavapai County: $1,679 a month

Without a mortgage

$686 a month

Yavapai County: $481 a month

Owners with a mortgage

46%

Yavapai County: 55%

Owning costs more in Village of Oak Creek (Big Park): with a mortgage, the typical cost is $1,992 a month; in Yavapai County, $1,679. Without one, $686.

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 Village of Oak Creek (Big Park) rose 59% since 2015–2019, less than in Yavapai County (69%).

Since 2015–2019, the typical rent in Village of Oak Creek (Big Park) rose 52%, more than in Yavapai County (43%).

The typical household income in Village of Oak Creek (Big Park) rose 35%: less than home values (+59%) and rent (+52%).

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

MeasureVillage of Oak Creek (Big Park)Yavapai 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 1.702.172.532.53
Drive alone 57%71%67%69%
Carpool Unreliable estimate10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 34%14%18%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.70 on average, against 2.17 in Yavapai County.

Working from home is more common in Village of Oak Creek (Big Park): 34%, against 14% in Yavapai County.

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 Village of Oak Creek (Big Park)?

A typical home costs more than the typical income allows

We start with a typical home in Village of Oak Creek (Big Park), worth $741,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 87% of the typical household income in Village of Oak Creek (Big Park), which is $80,878 a year. For that payment to be 28% of income, a household would need to earn about $250,987 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.

Your numbers

Local data
$

Starts at the typical home value in Village of Oak Creek (Big Park). 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 $25,939 (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

$5,856

at 7.18% · 30 years

Loan amount
$727,676
Total interest
$1,046,956
Paid off in
November 2056

Includes $12,515 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,887 a month

  • Tight

    $1,887 to $2,426 a month

  • Hard

    more than $2,426 a month

    Your payment · 87%

Compared with the typical household income in Village of Oak Creek (Big Park) ($80,878 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,856
Principal & interest$4,930
Property tax$290
Home insurance$309
FHA mortgage insurance (MIP)$328

This loan is over the FHA limit

You'd borrow $715,161, but the FHA limit for a one-unit home in Village of Oak Creek (Big Park) is $541,287. You'd need a bigger down payment or a different loan.

You need at least $25,939 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

Village of Oak Creek (Big Park) and Yavapai County

Village of Oak Creek (Big Park) 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).

Village of Oak Creek (Big Park)'s own numbers

Typical home value
$741,100
Typical monthly rent
$1,786
Typical yearly household income
$80,878
Households that own their home
69%
Effective property tax rate
0.47%

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 Village of Oak Creek (Big Park)

A typical home in Village of Oak Creek (Big Park) is worth $741,100: 74% above the county and 88% above Arizona. With the typical household income in Village of Oak Creek (Big Park) ($80,878 a year), a typical home costs 9.2 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.

  • Village of Oak Creek (Big Park) 9.2 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

Village of Oak Creek (Big Park) 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
  • Village of Oak Creek (Big Park) $741,100
  • Yavapai $425,200
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Village of Oak Creek (Big Park) $1,786
  • Yavapai $1,351
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Village of Oak Creek (Big Park) $80,878
  • Yavapai $69,613
  • Arizona $79,964
  • United States $80,734
See the full table
Village of Oak Creek (Big Park) next to Yavapai County and Arizona
Measure Village of Oak Creek (Big Park) Yavapai County Arizona U.S.
Typical home value $741,100 $425,200 $394,500 $332,700
Typical monthly rent $1,786 $1,351 $1,543 $1,413
Typical yearly household income $80,878 $69,613 $79,964 $80,734
Households that own their home 69% 75% 67% 65%
Typical yearly property tax $3,505 $1,750 $1,879 $3,119
Effective property tax rate 0.47% 0.41% 0.48% 0.94%

“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 Village of Oak Creek (Big Park)

For a typical $741,100 home in Village of Oak Creek (Big Park), at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Village of Oak Creek (Big Park)'s typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,856a month

    Above the FHA limit for Yavapai County ($541,287)
    Down payment
    $25,939
    Cash to close
    $48,172
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $328

  • Conventional, 5% down $5,721a month

    Least cash to close
    Down payment
    $37,055
    Cash to close
    $59,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $352

  • Conventional, 20% down, no PMI $4,615a month

    Down payment
    $148,220
    Cash to close
    $170,453
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,301a month

    Down payment
    $111,165
    Cash to close
    $133,398
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Village of Oak Creek (Big Park) and for Yavapai County.

Property tax

Effective rate in Village of Oak Creek (Big Park)

0.47%of the home’s value each year

$3,505 a year for the typical owner in Village of Oak Creek (Big Park).

  • Village of Oak Creek (Big Park) 0.47%
  • 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 Village of Oak Creek (Big Park)

Typical rent in Village of Oak Creek (Big Park) is $1,786 a month: 32% above the county.

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 Village of Oak Creek (Big Park)

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Village of Oak Creek (Big Park) is in ZIP code 86351.

For 2 bedrooms it is $1,810: $260 more than the fair market rent for Yavapai County ($1,550).

  • 86351 $1,810$2,510

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Village of Oak Creek (Big Park) 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?

Free help

Help to buy or rent in Village of Oak Creek (Big Park)

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Village of Oak Creek (Big Park)

No down payment, repair or rent-help program on our list is for Village of Oak Creek (Big Park) or Yavapai County. The ones below are statewide in Arizona: they work in Village of Oak Creek (Big Park) 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 Village of Oak Creek (Big Park)

The HUD-approved agencies closest to the center of Village of Oak Creek (Big Park), 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 · 31 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 · 79 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 · 79 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 Village of Oak Creek (Big Park)

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 Village of Oak Creek (Big Park)

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 Village of Oak Creek (Big Park), 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 Village of Oak Creek (Big Park).

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Village of Oak Creek (Big Park)

Short answers with the numbers for Village of Oak Creek (Big Park) 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 Village of Oak Creek (Big Park)?

The typical home value in Village of Oak Creek (Big Park) is $741,100, 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 Village of Oak Creek (Big Park)?

Typical rent in Village of Oak Creek (Big Park) is $1,786 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 Village of Oak Creek (Big Park)?

Village of Oak Creek (Big Park) 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 Village of Oak Creek (Big Park)?

The typical homeowner in Village of Oak Creek (Big Park) pays $3,505 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Yavapai County, the rate is 0.41%.

Where can I find free help to buy or rent in Village of Oak Creek (Big Park)?

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).