85937 — Navajo County, Arizona Market Snapshot
Housing market data for zip code 85937 in Navajo 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
$360,450
Days to Sell
75
Homes Sold
16
Inventory
40
Sale-to-List
97.6%
New Listings
24
Price/SqFt
$205
Pending Sales
25
Conforming Loan Available
Most homebuyers in 85937 can comfortably use conventional financing. The median home price of $360,450 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 75 days on average, 85937 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 85937 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85937 can comfortably use conventional financing. The median home price of $360,450 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 85937 are set at the county level.
2026 Loan Limits — Navajo 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 85937
To purchase the median home at $360,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,912.
Monthly Payment
$2,912
Income Required
$124,785
Principal & Interest
$2,221/mo
Down Payment (5%)
$18,023
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 85937.
Estimated Monthly Payment
$2,381
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