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Camp Verde town, AZ

ZIP 86322 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86322

Median Home Value
$293,700
Median Rent
$846
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,887/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 86322 in Camp Verde town, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+17% vs US avg
x
Vacancy Rate
8.7%-15% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
58.3%+53% vs US avg
x
$293,700
Home Value
$846
Rent
1991
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.5%
  • 1-unit attached1.8%
  • 2-9 units5.2%
  • 10+ units3.6%
  • Mobile home & other30.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$293,700
Median rent$846
Owner-occupied76.2%
Vacant8.7%
Price-to-income5.0x
Est. income to buy$81,000