85901 — Apache County, Arizona Market Snapshot
Housing market data for zip code 85901 in Apache County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$537,500
Days to Sell
37
Homes Sold
80
Inventory
290
Sale-to-List
97.0%
New Listings
262
Price/SqFt
$311
Pending Sales
110
Conforming Loan Available
Most homebuyers in 85901 can comfortably use conventional financing. The median home price of $537,500 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
85901's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85901 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85901 can comfortably use conventional financing. The median home price of $537,500 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 85901 are set at the county level.
2026 Loan Limits — Apache 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 85901
To purchase the median home at $537,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,268.
Monthly Payment
$4,268
Income Required
$182,921
Principal & Interest
$3,312/mo
Down Payment (5%)
$26,875
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 85901.
Estimated Monthly Payment
$3,476
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 85901. Tell us what you're looking for.