86403 — Mohave County, Arizona Market Snapshot
Housing market data for zip code 86403 in Mohave County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$455,000
Days to Sell
34
Homes Sold
74
Inventory
81
Sale-to-List
96.5%
New Listings
118
Price/SqFt
$293
Pending Sales
88
Conforming Loan Available
Most homebuyers in 86403 can comfortably use conventional financing. The median home price of $455,000 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
86403's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 86403 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86403 can comfortably use conventional financing. The median home price of $455,000 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 86403 are set at the county level.
2026 Loan Limits — Mohave 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 86403
To purchase the median home at $455,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,636.
Monthly Payment
$3,636
Income Required
$155,832
Principal & Interest
$2,804/mo
Down Payment (5%)
$22,750
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 86403.
Estimated Monthly Payment
$2,966
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