86326 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86326 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$393,990
Days to Sell
67
Homes Sold
95
Inventory
102
Sale-to-List
96.4%
New Listings
106
Price/SqFt
$258
Pending Sales
107
Conforming Loan Available
Most homebuyers in 86326 can comfortably use conventional financing. The median home price of $393,990 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 67 days on average, 86326 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 86326 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86326 can comfortably use conventional financing. The median home price of $393,990 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 86326 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 86326
To purchase the median home at $393,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,169.
Monthly Payment
$3,169
Income Required
$135,798
Principal & Interest
$2,428/mo
Down Payment (5%)
$19,700
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 86326.
Estimated Monthly Payment
$2,588
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