85643 — Graham County, Arizona Market Snapshot
Housing market data for zip code 85643 in Graham County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$199,500
Days to Sell
69
Homes Sold
16
Inventory
25
Sale-to-List
100.7%
New Listings
16
Price/SqFt
$113
Pending Sales
20
Conforming Loan Available
Most homebuyers in 85643 can comfortably use conventional financing. The median home price of $199,500 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 69 days on average, 85643 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 85643 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85643 can comfortably use conventional financing. The median home price of $199,500 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 85643 are set at the county level.
2026 Loan Limits — Graham 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 85643
To purchase the median home at $199,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,679.
Monthly Payment
$1,679
Income Required
$71,936
Principal & Interest
$1,229/mo
Down Payment (5%)
$9,975
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 85643.
Estimated Monthly Payment
$1,385
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