86005 — Coconino County, Arizona Market Snapshot
Housing market data for zip code 86005 in Coconino County, Arizona. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes 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
8 sales in 2026 (year to date)
Median Sale Price
$742,500
Days to Sell
52
Homes Sold
8
Inventory
17
Conforming Loan Available
The median home in 86005 at $742,500 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
86005's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 86005 at $742,500 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 86005 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 86005
To purchase the median home at $742,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,839.
Monthly Payment
$5,839
Income Required
$250,234
Principal & Interest
$4,575/mo
Down Payment (5%)
$37,125
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 86005.
Estimated Monthly Payment
$4,745
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 86005. Tell us what you're looking for.