86004 — Coconino County, Arizona Market Snapshot
Housing market data for zip code 86004 in Coconino County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$585,450
Days to Sell
82
Homes Sold
24
Inventory
24
Sale-to-List
98.1%
New Listings
37
Price/SqFt
$325
Pending Sales
32
Conforming Loan Available
Most homebuyers in 86004 can comfortably use conventional financing. The median home price of $585,450 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 82 days on average, 86004 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
Homes are selling very close to asking price in 86004 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 86004 can comfortably use conventional financing. The median home price of $585,450 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 86004 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 86004
To purchase the median home at $585,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,636.
Monthly Payment
$4,636
Income Required
$198,666
Principal & Interest
$3,607/mo
Down Payment (5%)
$29,273
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 86004.
Estimated Monthly Payment
$3,773
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