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City Housing Verdict

Apple Valley, CA

High Pressure

Living in Apple Valley, CA costs about 26% more than the national average (Cost Index: 126). Housing is the main driver — the typical home value of $427,910 is well above the $303,400 US median. The local median household income is $65,926, which helps frame the place-side housing burden.

Apple Valley already reads as a high-pressure housing market, with 36% rent burden, 6.5x home-price-to-income, and a housing index of 141. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Apple Valley.

Monthly Housing
$1,953/mo
Lower of rent or buy scenario
Housing Burden
36%
Stretch
Residual Cash
$3,041/mo
After housing and debt · $1,014/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: HighHome source: ZILLOWRent source: ZILLOWBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 45%
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Cost Index
126
Expensive
Based on housing costs · See methodology
Median Home Value
$427,910
Zillow ZHVI Market Rate • Census ACS: $377,300
National: $303,400
Median Rent
$1,953/mo
Zillow ZORI Market Rate • Census ACS: $1,373/mo
National: $1,348/mo
Household Income
$65,926
National: $78,538
Population
75,478
Purchasing Power
67
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
141 / 100
41% above average
Rent Index
145 / 100
45% above average
Goods & Groceries
101 / 100
About the same as most US cities
Utilities
149 / 100
49% higher utility bills
Healthcare & Services
101 / 100
In line with national average
Overall Index
126
Expensive · 26% above average

Apple Valley Mortgage Calculator

Pre-filled with the local median home value of $427,910 and California's property tax rate of 0.71%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$65,926
Census ACS place context
Rent Burden Estimate
36%
Typical annual rent / local household income
Home Price to Income
6.5x
Typical home value / local household income
Use this section to judge whether Apple Valley looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Apple Valley, CA

Est. Annual Property Tax
$3,038
Monthly Impact
$253
Added to your mortgage
Effective Rate
0.71%
National avg: ~1.00%

California Place Tax Context

Tax TypeCaliforniaNational Avg
Property Tax Rate0.71%1.00%
Top Income Tax Rate13.3%~5.0%
State Sales Tax8.85%~5.0%

Compare Apple Valley to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Apple Valley, CA
126
145
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Apple Valley, CA: 141
Rent Prices
145

FAQ: Living in Apple Valley

Is Apple Valley, CA an expensive place to live?+

Yes — Apple Valley is about 26% more expensive than the national average, with an overall Cost Index of 126. Housing is the biggest factor: the typical home here is valued around $427,910, and monthly rents average roughly $1,953. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Apple Valley fit a household housing budget?+

Start with housing. Typical monthly rent is $1,953, while local median household income is $65,926. That implies a rent-burden proxy of about 36% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Apple Valley, CA?+

California has a progressive state income tax with a top rate of 13.3%. The effective property tax rate is 0.71%. On a home worth $427,910, that translates to roughly $3,038 per year in property taxes. Sales tax (state + local) averages around 8.85% on everyday purchases.

How much does it cost to rent in Apple Valley, CA?+

The typical monthly rent in Apple Valley is around $1,953. That's about 45% higher than the $1,348 national median. For comparison, the median home value here is $427,910, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Apple Valley, CA?+

The median home in Apple Valley is valued at $427,910. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,164/month for principal and interest alone — before property taxes and insurance. About 69% of residents here own their homes.

Are groceries and utilities expensive in Apple Valley?+

Grocery prices in Apple Valley are about average compared to the rest of the US (index: 101, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 149). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Apple Valley, CA like to live in?+

Apple Valley is a smaller city with a population of about 75,478. The median age of residents is 35.5, which is close to the national median. The local poverty rate is 17.21%, above the national average of 12.4%.

Lower-Pressure Alternatives in California

If Apple Valley feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in California

Use these city pages when you want to compare Apple Valley against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly