85365 — Yuma County, Arizona Market Snapshot
Housing market data for zip code 85365 in Yuma County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
149 sales in 2026 (year to date)
Median Sale Price
$352,425
Days to Sell
79
Homes Sold
149
Inventory
277
Sale-to-List
98.9%
New Listings
247
Price/SqFt
$220
Pending Sales
206
Conforming Loan Available
Most homebuyers in 85365 can comfortably use conventional financing. The median home price of $352,425 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 79 days on average, 85365 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 85365 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85365 can comfortably use conventional financing. The median home price of $352,425 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 85365 are set at the county level.
2026 Loan Limits — Yuma 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 85365
To purchase the median home at $352,425 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,850.
Monthly Payment
$2,850
Income Required
$122,150
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,621
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 85365.
Estimated Monthly Payment
$2,331
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