86001 — Coconino County, Arizona Market Snapshot
Housing market data for zip code 86001 in Coconino County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$802,000
Days to Sell
40
Homes Sold
46
Inventory
59
Sale-to-List
96.5%
New Listings
87
Price/SqFt
$394
Pending Sales
67
Conforming Loan Available
The median home in 86001 at $802,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
86001's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 86001 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 86001 at $802,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 86001 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 86001
To purchase the median home at $802,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,295.
Monthly Payment
$6,295
Income Required
$269,772
Principal & Interest
$4,942/mo
Down Payment (5%)
$40,100
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 86001.
Estimated Monthly Payment
$5,113
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