86322 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86322 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$475,500
Days to Sell
83
Homes Sold
34
Inventory
44
Sale-to-List
95.9%
New Listings
35
Price/SqFt
$267
Pending Sales
27
Conforming Loan Available
Most homebuyers in 86322 can comfortably use conventional financing. The median home price of $475,500 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 83 days on average, 86322 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 86322 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86322 can comfortably use conventional financing. The median home price of $475,500 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 86322 are set at the county level.
2026 Loan Limits — Yavapai 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 86322
To purchase the median home at $475,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,793.
Monthly Payment
$3,793
Income Required
$162,563
Principal & Interest
$2,930/mo
Down Payment (5%)
$23,775
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 86322.
Estimated Monthly Payment
$3,093
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