86413 — Mohave County, Arizona Market Snapshot
Housing market data for zip code 86413 in Mohave County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$287,801
Days to Sell
82
Homes Sold
23
Inventory
34
Sale-to-List
97.3%
New Listings
34
Price/SqFt
$199
Pending Sales
28
Conforming Loan Available
Most homebuyers in 86413 can comfortably use conventional financing. The median home price of $287,801 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, 86413 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
The average home in 86413 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86413 can comfortably use conventional financing. The median home price of $287,801 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 86413 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 86413
To purchase the median home at $287,801 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,355.
Monthly Payment
$2,355
Income Required
$100,930
Principal & Interest
$1,773/mo
Down Payment (5%)
$14,390
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 86413.
Estimated Monthly Payment
$1,931
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