85931 — Coconino County, Arizona Market Snapshot
Housing market data for zip code 85931 in Coconino County, Arizona. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Coconino County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$399,900
Days to Sell
25
Homes Sold
1
Inventory
9
Conforming Loan Available
Most homebuyers in 85931 can comfortably use conventional financing. The median home price of $399,900 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
Homes in 85931 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 85931 can comfortably use conventional financing. The median home price of $399,900 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 85931 are set at the county level.
2026 Loan Limits — Coconino County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $609,500 |
| 2 Units | $1,066,250 | $780,250 |
| 3 Units | $1,288,800 | $943,150 |
| 4 Units | $1,601,750 | $1,172,150 |
Affordability Snapshot — Zip 85931
To purchase the median home at $399,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,214.
Monthly Payment
$3,214
Income Required
$137,739
Principal & Interest
$2,464/mo
Down Payment (5%)
$19,995
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 85931.
Estimated Monthly Payment
$2,625
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