86327 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86327 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$419,900
Days to Sell
84
Homes Sold
75
Inventory
124
Sale-to-List
97.4%
New Listings
110
Price/SqFt
$240
Pending Sales
98
Conforming Loan Available
Most homebuyers in 86327 can comfortably use conventional financing. The median home price of $419,900 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 84 days on average, 86327 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 86327 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86327 can comfortably use conventional financing. The median home price of $419,900 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 86327 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 86327
To purchase the median home at $419,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,367.
Monthly Payment
$3,367
Income Required
$144,306
Principal & Interest
$2,587/mo
Down Payment (5%)
$20,995
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 86327.
Estimated Monthly Payment
$2,749
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 86327. Tell us what you're looking for.