The story of this market
The typical home in ZIP 86322 sells for about $435,418, or $235 per square foot.
Prices are up +1.5% from a year ago, so sellers still have some momentum. Homes take about 65 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,066 a month.
ZIP 86322 — Camp Verde
The 86322 housing market shows steady appreciation with a 1.5% year-over-year increase in home values. Low inventory levels continue to support a seller-leaning environment, though the pace of sales remains moderate. Market conditions are driven by consistent demand for rural-lifestyle properties in the Verde Valley.
This ZIP is well-suited for retirees, outdoor enthusiasts, and families seeking a quieter, rural-adjacent lifestyle with access to natural amenities and a lower cost of living than major metropolitan hubs.
Median prices moved up 1.5% year over year.
Homes spend a median of 65 days on market with 6.0 months of supply — a balanced-paced market.
15% of listings have cut prices · homes sell at 97% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.6% · poverty 15.9% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 86322, Yavapai County AZ
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Camp Verde area are generally lower than the national average, with property crime being the primary concern. Regional comparisons suggest it remains a relatively safe rural-suburban environment.
Schools serving the 86322 area are part of the Camp Verde Unified School District, which provides standard public education services for the local community.
The area faces moderate wildfire risk common to the Arizona high desert and requires standard fire-mitigation practices for homeowners. Flood risks are localized to specific drainage areas near the Verde River.
Economic momentum is driven by tourism, local government, and regional services in the Verde Valley. Infrastructure development is focused on maintaining rural connectivity to the Prescott and Flagstaff employment hubs.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Arizona) — Senior Property Valuation Protection Option (Senior Freeze): Provides a 'freeze' on the valuation of the property for tax purposes, limiting the growth of the property tax burden for eligible seniors. State (Arizona) — Arizona Property Tax Assessment: The tax is calculated by applying an assessment ratio to the property's Limited Property Value (LPV). For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Arizona Property Tax Assessment: Property tax is calculated using the formula: (Full Cash Value or Limited Property Value) x Assessment Ratio = Net Assessed Value. The Net Assessed Value is then multiplied by the local tax rate. For primary residential property (Class 3), the assessment ratio is 10%. State (Arizona) — Delinquent Property Tax Lien Sale and 3-Year Redemption Foreclosure: The county treasurer sells a tax lien certificate via public auction to the investor bidding the lowest annual rate of interest (ranging from 16% down to 0% per annum under A.R.S. § 42-18114). State (Arizona) — Statutory Residential Homestead Exemption: Exempts up to $400,000 of equity in an owner-occupied primary dwelling from attachment, execution, and forced sale arising from unsecured civil judgment liens.
Commuting from 86322 typically involves driving via I-17 or SR 260 toward employment centers in Cottonwood, Prescott, or the Phoenix metro area.
The area offers extensive outdoor recreation including access to the Verde River, hiking trails in the Coconino National Forest, and proximity to historic sites like Montezuma Castle.
The rental market is characterized by limited inventory and steady demand from local workers and retirees, with rents reflecting the broader regional cost of living.
The economy is anchored by tourism, public administration, and local retail services. It serves as a gateway to the Verde Valley's wine and recreation industries.
Transportation is primarily automobile-dependent, with I-17 serving as the main artery for regional travel.
Development is focused on sustainable growth that preserves the rural character of the Verde Valley while expanding local infrastructure.
Yavapai County Assessor manages property valuations based on market data and state-mandated assessment ratios.
Parcels are subject to Yavapai County taxes, Camp Verde Unified School District levies, and local fire district assessments.
Property insurance premiums are influenced by wildfire risk assessments and the proximity to fire protection services.
Data retrieved from data.census.gov for ZCTA 86322.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Verde Ranch RV Resort4.69.3 mi
- Alcantara Vineyards and Winery4.415.8 mi
- The Cellar at Creekside4.617.4 mi
- Montezuma Castle National Monument4.711.8 mi
- Out of Africa Wildlife Park4.611.2 mi
- Montezuma Castle Visitor Center4.711.7 mi
- Verde Hot Springs4.512.9 mi
- Fort Verde State Historic Park4.58.3 mi
- Montezuma Well4.816.1 mi
- Fort Verde State Historic Park4.58.3 mi
- Arcosanti4.313.5 mi
- Verde Valley Archaeology Center and Museum4.88.3 mi
- Arcosanti Tours4.213.5 mi
- Montezuma Castle National Monument4.711.8 mi
- Out of Africa Wildlife Park4.611.2 mi
- Clear Creek Campground4.49 mi
- Bullpen Day Use Area4.412.8 mi
- Fort Verde State Historic Park4.58.3 mi
- Sedona Airport4.828.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A well-preserved cliff dwelling that serves as a major regional landmark.
Provides opportunities for kayaking, fishing, and wildlife viewing.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.