86332 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86332 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Yavapai County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$380,000
Days to Sell
61
Homes Sold
5
Inventory
18
Conforming Loan Available
Most homebuyers in 86332 can comfortably use conventional financing. The median home price of $380,000 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 61 days on average, 86332 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 86332 can comfortably use conventional financing. The median home price of $380,000 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 86332 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 86332
To purchase the median home at $380,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,205
Principal & Interest
$2,341/mo
Down Payment (5%)
$19,000
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 86332.
Estimated Monthly Payment
$2,502
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 86332. Tell us what you're looking for.