Apple Valley, California.
Typical home $431,962 (+1.3% in a year), asking rent $1,899 (+2.6%). Riverside-San Bernardino-Ontario, CA metro.
to buy the typical home at today's mortgage rate — +$1,231 (+119%) since Jan 2020.
- 1 year
- Up $5,465 +1%
- $426,496$431,962 since Sep 2025
- 5 years
- Up $58,303 +16%
- $373,659$431,962 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Apple Valley$2,267
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Apple Valley, CA rose 1.3% over the past year — in step with the nation.
Asking rents in Apple Valley, CA rose 2.6% over the past year — in step with the nation.
Owning the typical home in Apple Valley runs $1,082/mo more than renting one. The gap peaked at $1,262 in Jan 2025.
That is $2,982 a month against $1,899 rent: a $2,267 mortgage payment, plus $252 property tax and $462 insurance & upkeep.
Owning vs renting — Apple Valley
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,982
- Renting$1,899
- Mortgage only$2,267
Property tax · $252/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for San Bernardino County, CA
Insurance & upkeep · $462/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Apple Valley, San Bernardino County, California
Apple Valley is a town of 75,791 people in San Bernardino County. Half its households earn more than $69,882 a year and half less, against $85,478 across San Bernardino County; 17% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Apple Valley was 7.3% in August 2026, and San Bernardino County had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Apple Valley is a sizeable desert town in San Bernardino County, with a median age a little younger than many older homeowners might expect. Most homes are lived in by their owners, and incomes run below the county's, with a fair number of residents living below the poverty line. Winters are mild and cool, coldest in December with frosty nights, while summers are hot, and the year brings little rain and almost no snow.
Work. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in transport, warehouses and utilities. Among the largest workplaces in Apple Valley are Walmart, Apple Valley Unified and Target. Many people face a long commute, and unemployment is a little higher than people might hope, close to where it stood a year earlier.
Things to do. The California Route 66 Museum is a short drive away and a good fit for anyone interested in the old highway. A longer drive brings you to Big Bear Lake, a mountain reservoir, and to Silverwood Lake, another reservoir. Snow Valley Mountain Resort, a ski area, is also a longer drive away.
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- 25,184households
- 19%of adults have a degree
- 17%below the poverty line
- 41 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. San Bernardino County had 848,961 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 57° and lows near 32°; warmest in July, with highs near 98° and lows near 64°. About 6 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Victorville weather station, 5 miles away (NOAA).
Largest workplaces in Apple Valley
- WalmartGeneral warehousing and storage1,424
- Apple Valley UnifiedSchool district1,316FTE
- TargetDiscount department stores213
- Jess Ranch HealthcareSkilled nursing facilities195
- Winco FoodsStore177
- Academy for Academic Excellence DistrictSchool district134FTE
- Desert Physicians ManagmentMedical office management services125
- Lowe's Companies, INCHomecenter125
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 3,288 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- WildfireRelatively high
- EarthquakesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Apple Valley’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Bernardino County and the Riverside-San Bernardino-Ontario, CA metro.
Apple Valley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Apple Valley$431,962
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Apple Valley listings, and the typical home goes pending in 37 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Apple Valley24.87%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Apple Valley37
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Apple Valley389
New listings per month
Sellers arriving at the market.
- Apple Valley106
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Apple Valley$411,873
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Apple Valley99.88%
Zip codes with a Apple Valley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Apple Valley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Apple Valley
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 92308 | Apple Valley | 42,709 | $1,923 | $411,856 |
| 92307 | Apple Valley | 41,180 | $1,870 | $454,792 |