86334 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86334 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$339,900
Days to Sell
76
Homes Sold
37
Inventory
55
Sale-to-List
98.2%
New Listings
47
Price/SqFt
$229
Pending Sales
40
Conforming Loan Available
Most homebuyers in 86334 can comfortably use conventional financing. The median home price of $339,900 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 76 days on average, 86334 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
Homes are selling very close to asking price in 86334 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 86334 can comfortably use conventional financing. The median home price of $339,900 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 86334 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 86334
To purchase the median home at $339,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,754.
Monthly Payment
$2,754
Income Required
$118,038
Principal & Interest
$2,094/mo
Down Payment (5%)
$16,995
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 86334.
Estimated Monthly Payment
$2,254
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