ZIP Code 86322 — Camp Verde town, AZ Demographics & Data

ZIP code 86322 covers Camp Verde, AZ in Yavapai County with a population of about 12,885.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Camp Verde, AZ reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 86322 is about $59,018 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.0%; unemployment rate near 4.3%; 19.8% of adults with a bachelor’s degree or higher (about 13.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Construction; about 9.3% of workers reporting work-from-home (about 5.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $293,700 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $846 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86322 in Camp Verde, AZ, a household would need roughly $81,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,887. That is about 37% above the local median household income ($59,018), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Camp Verde town, AZ as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.6) and flood (96.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Camp Verde town, AZ show little to no average snow and around 13.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 432 for ZIP 86322 (Camp Verde town, AZ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.