86336 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86336 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$1,180,500
Days to Sell
49
Homes Sold
103
Inventory
154
Sale-to-List
96.8%
New Listings
150
Price/SqFt
$524
Pending Sales
118
Jumbo Loan Likely Needed
The median home in 86336 at $1,180,500 exceeds the 2026 conforming loan limit of $832,750 by $347,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
86336's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 86336 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 86336 at $1,180,500 exceeds the 2026 conforming loan limit of $832,750 by $347,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 86336 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 86336
To purchase the median home at $1,180,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,195.
Monthly Payment
$9,195
Income Required
$394,055
Principal & Interest
$7,274/mo
Down Payment (5%)
$59,025
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 86336.
Estimated Monthly Payment
$7,456
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 86336.
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