A
4%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
6%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Camp Verde Arizona National
Cost of living104101100
Groceries103101100
Health care102101100
Housing10696100
Transportation101102100
Utilities111111100
Lifestyle & Entertainment102103100
Household Items103101100
Education & Childcare99103100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

An Overview of Cost of Living in Camp Verde, AZ

The cost of living in Camp Verde affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Camp Verde is 104, which is 4% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Camp Verde are priced in a manner consistent with other areas. This means that residents of Camp Verde can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

What Do Locals Say About the Cost of Living in Camp Verde?

The real experts on a city are its residents. That's why we reached out to 5 locals to get their views on the cost of living in Camp Verde. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 60% found it budget-friendly with decreasing prices, while 40% said it's simply not affordable as prices have continued to rise.

Is Camp Verde Affordable?

Is Camp Verde affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Camp Verde, for instance, where the median home price falls 18.3% higher than the national average, and monthly rent rates are 24.1% lower than usual. Additionally, median income levels contribute to the equation, with Camp Verde flaunting a median household income of $64,058, 21.2% lower than the national norm.

What Factors can Influence the Cost of Living in Camp Verde?

Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Camp Verde, the prevailing sales tax rate starts at 5.6%, and income tax rates kick off at 2.5%.

Where is the Data From?

The cost of living data for Camp Verde shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Camp Verde is 3% higher than the Arizona average
  • The cost of living in Camp Verde is 4% higher than the national average
  • Camp Verde housing is 6% higher than the national average
  • Arizona general sales tax is 10% higher than the national average
  • Arizona state income tax is 4% lower than the national average

Most Affordable Places to Live in and Around Camp Verde

See all the best places to live around Camp Verde

Compare Camp Verde, AZ Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Camp Verde?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Camp Verde?
      Write a review to give others more information about this area.
      See all Camp Verde poll results

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$67,208$5,601$1,568$2,016
      Renters$40,461$3,372$944$1,214
      A good indicator of the general affordability of housing in Camp Verde, AZ, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Camp Verde, the median monthly income is $67,208 for those who own their own homes. Under the standard rule, that income level would allow for $1,568 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $40,461, per the median income in the area. That would allow for renters to spend up to $944 on monthly rental expenses.

      Arizona Sales Tax

      State General Sales Tax With Max Surtax
      Arizona 5.6% 10.725%

      Arizona Income Tax

      State Income Tax (Low) Income Tax (High)
      Arizona 2.5% 2.5%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cottonwood CDP, AZ1928514.9%
      Cottonwood, AZ12,6401043.7%
      Lake Montezuma, AZ4,8821055.1%
      Verde Village, AZ13,2031087.6%
      Cornville, AZ3,35811312.6%
      Camp Verde, AZ11,5241043.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lac Ste. Anne County, AB11,522n/a 
      Grosse Pointe Park, MI11,52112322.5%
      Niles, MI11,5218416.2%
      Travilah, MD11,528226125.8%
      Ionia, MI11,5338811.6%
      Camp Verde, AZ11,5241043.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.