86335 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86335 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$377,000
Days to Sell
106
Homes Sold
15
Inventory
31
Sale-to-List
97.2%
New Listings
30
Price/SqFt
$261
Pending Sales
19
Conforming Loan Available
Most homebuyers in 86335 can comfortably use conventional financing. The median home price of $377,000 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 106 days on average, 86335 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 86335 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86335 can comfortably use conventional financing. The median home price of $377,000 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 86335 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 86335
To purchase the median home at $377,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,038.
Monthly Payment
$3,038
Income Required
$130,219
Principal & Interest
$2,323/mo
Down Payment (5%)
$18,850
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 86335.
Estimated Monthly Payment
$2,483
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