Real Estate Investing in Camp Verde, Arizona (86322)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Yavapai County • Population: 12,885 • Data updated: September 2026

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Should you buy in 86322 (Camp Verde, AZ)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (44/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.2% vacancy may signal weakening demand.

What’s happening in Camp Verde, AZ (86322)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $431,366
Avg Monthly Rent $1,700
1% Rule ✗ Does Not Meet
Median Income $49,958
% Renters 25.9%

Market Analysis: 86322 Camp Verde

Investors eyeing 86322 need to respect the fundamentals at play. Home values of $431K come alongside slower price movement and elevated management overhead.

The investment case in 86322 is durable only for operators who understand what they are buying. A $431K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 86322 among AZ's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 86322 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

New investors are better served looking at Camp Verde's stable or hybrid ZIPs before stepping into 86322. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Camp Verde:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
14/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.6× the median income
Value Trend
Stable (+1.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,700/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Prescott Valley-Prescott, AZ Metro Area
More inventory, negotiating room for buyers
75 days
Average time to sell
Slow
8.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Prescott Valley-Prescott, AZ metro data
🏠

Property Strategy for 86322

Which property type performs best in this market?

Best for Cash Flow
3BR
3.4% cap rate
Best for Appreciation
4BR
+7.4% 5yr CAGR
Best Overall Value
4BR
$136,775/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $325,342 $1,450 3.2% +6.4% $162,671
3BR $426,270 $2,000 3.4% +7.1% $142,090
4BR $547,100 $2,300 3.0% +7.4% $136,775

Market Trends

Home Value History (with trend line)

$461K$389K$317K$245K$173K$101KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 86322 Compare?

Metric 86322 Camp Verde Prescott Valley-Prescott, AZ Arizona
Home Value $431,366 $431,366 N/A $419,643
5-Year CAGR 2.9% 2.9% N/A 6.5%
Avg Rent $1,700 $1,700 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 86322? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 86322 (Camp Verde, AZ). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+2.9%
Slow

📊 Market Snapshot

Home Value $431,366
Monthly Rent $1,700
Price-to-Rent 21.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 6.0%

📈 Home Appreciation

1-Year +1.8% ▲
3-Year CAGR +1.9% ▲
5-Year CAGR +2.9% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 86322

Population: 12,885

💰 Median Household Income
$49,958
This area
$49,958
State
$66,355
USA
$74,580
🏠 Renter Occupied
25.9%
This area
25.9%
State
28.6%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-23.2%
USA
3.7%
🎓 College Educated
18.7%
This area
18.7%
State
-1.0%
USA
33.7%
👤 Median Age
40.0 years
This area
40.0 years
State
11.1 years
USA
38.9 years
🏚️ Vacancy Rate
8.2%
This area
8.2%
State
19.2%
USA
10.5%
👥 Population by Ethnicity
White 76.9%
Other/Mixed 21.9%
Hispanic/Latino 12.1%
Black/African American 0.8%
Asian 0.4%
👶 Under 18
24.0%
This area
24.0%
USA
22.0%
👴 65 and Over
23.6%
This area
23.6%
USA
17.3%
📊 Poverty Rate
19.0%
This area
19.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 86322

C Avg School Grade
8 Schools
22.2:1 Avg Class Size
$10,637 Avg Per Pupil

Schools in This ZIP Code

B Good

Camp Verde High School

📚 09 – 12 High School
👥
468 Students
👨‍🏫
18.0:1 Class Size
💰
$9,961 Per Student
C+ Average

Camp Verde Online

📚 K – 12 K-12
👥
10 Students
👨‍🏫
10.0:1 Class Size
💰
$9,961 Per Student
C+ Average

American Heritage Academy - Camp Verde

📚 K – 08 School Charter Limited Data
👥
111 Students
💰
$14,691 Per Student
C+ Average

Camp Verde Elementary School

📚 Pre-K – 05 Elementary
👥
698 Students
👨‍🏫
19.9:1 Class Size
💰
$9,961 Per Student
C Below Average

Camp Verde Middle School

📚 06 – 08 Middle
👥
353 Students
👨‍🏫
22.9:1 Class Size
💰
$9,961 Per Student
C Below Average

VACTE - Camp Verde Unified School District

📚 09 – 12 High School Limited Data
D Needs Improvement

South Verde Technology Magnet

📚 09 – 12 High School Limited Data
💰
$9,961 Per Student
D Needs Improvement

Camp Verde Accommodation School

📚 06 – 12 High School
👥
40 Students
👨‍🏫
40.0:1 Class Size
💰
$9,961 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What does house hacking look like in Camp Verde, AZ?

The a challenging house-hack environment in Camp Verde, AZ reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How strong is the working-renter base in Camp Verde, AZ?

Tenant demand in Camp Verde, AZ is solid. The local workforce $1,700/mo rents across most rental classes.

How much should I expect to pay for a home in Camp Verde, AZ?

Expect median prices around $431K in Camp Verde, AZ. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

Is Camp Verde in AZ worth investing in?

Investors tracking Camp Verde, AZ will find a 3.0/5 rating supported by $431K median home values and $1,700/mo rents. That profile suits long-term holders targeting reliable returns.

Is Camp Verde, AZ better for rentals, flips, or BRRRR?

For Camp Verde, AZ, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 86322 now. You don’t know where it ranks.

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How 86322 ranks in Prescott Valley-Prescott, AZ

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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