Vernon, Arizona.
Typical home $330,534 (-2.0% in a year).
to buy the typical home at today's mortgage rate — +$960 (+124%) since Jan 2020.
- 1 year
- Down $6,726 -2%
- $337,260$330,534 since Sep 2025
- 5 years
- Up $28,202 +9%
- $302,332$330,534 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.
- Vernon$1,735
- Arizona$2,187
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 39 years.
Typical home values in Vernon, AZ fell 2.0% over the past year — slower than the nation's +1.2%.
Living in Vernon, Apache County, Arizona
Vernon, in Apache County, had 126 people in the 2020 census. Unemployment in Apache County was 8.8% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most people in Apache County work in schools and health care, then government.
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 It can be wrong or out of date.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. Vernon is a very small community in Apache County, home to only a handful of households. The population is far younger than in most towns, so this is a place where older residents are likely to be in the minority. Winters are cold and snowy, summers are mild and warm without being hot, and the year brings a fair amount of moisture in the form of both rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, with government, shops and the building trades also employing many people. Across Apache County, the largest workplaces include Fort Defiance Indian Hospital, Chinle Comprehensive Care Facility and the Navajo Tribal Utility Authority. Unemployment across the county is higher than in much of the country and a little above where it stood a year ago, though the county has added some jobs over the past year. Household incomes across the county are modest, while the typical home in town is worth considerably more than a county household's yearly income would suggest.
Things to do. The surrounding high country is known for its lakes and reservoirs, and several are within a longer drive, including Concho Lake and Big Lake. Sunrise Park Resort, a ski area, is also a longer drive away and suits the snowy winters here. For a different kind of outing, Casa Malpaís is an archaeological site, likewise a longer drive from town.
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What people in Apache County work in
Employed residents by industry, from the Census survey. Apache County had 16,853 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 44° and lows near 21°; warmest in July, with highs near 80° and lows near 52°. About 66 inches of snow and 24 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mc Nary 2N weather station, 13 miles away (NOAA).
Largest workplaces in Apache County
- Fort Defiance Indian HospitalGeneral hospital1,304FTE
- Chinle Comprehensive Care FacilityGeneral hospital1,276FTE
- Navajo Tribal Utility AuthorityDistribution of electric power923
- Indian Health ServiceFederal government · Department of Health and Human Services660
- Chinle Unified District (4158)School district499FTE
- Dine CollegeUniversity or college268
- Sage Memorial HospitalCritical access hospital253FTE
- Window Rock Unified District (4154)School district243FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 12 workplaces with 20 or more staff, 1,722 people in all across the county; Vernon has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), federal offices from OPM's federal workforce data (2026), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (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
- WildfireVery high
- LightningVery high
- Inland floodingVery high
- Winter weatherVery high
- LandslidesRelatively high
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Vernon’s census tracts, against the rest of the country; all of them together, very 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 Apache County.
Vernon home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Vernon$330,534
- Arizona$416,733
- United States$366,157
Sellers are cutting prices on about 1 in 4 Vernon listings — the market is roughly in balance.
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.
- Vernon28.46%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Vernon20
Zip codes with a Vernon address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Vernon — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.