85625 — Cochise County, Arizona Market Snapshot
Housing market data for zip code 85625 in Cochise County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$232,000
Days to Sell
100
Homes Sold
17
Inventory
31
Sale-to-List
96.8%
New Listings
26
Price/SqFt
$138
Pending Sales
16
Conforming Loan Available
Most homebuyers in 85625 can comfortably use conventional financing. The median home price of $232,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 100 days on average, 85625 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 85625 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85625 can comfortably use conventional financing. The median home price of $232,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 85625 are set at the county level.
2026 Loan Limits — Cochise County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 85625
To purchase the median home at $232,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,928.
Monthly Payment
$1,928
Income Required
$82,608
Principal & Interest
$1,430/mo
Down Payment (5%)
$11,600
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 85625.
Estimated Monthly Payment
$1,586
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