86515 — Apache County, Arizona Market Snapshot
Housing market data for zip code 86515 in Apache County, Arizona. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Apache County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$279,500
Days to Sell
779
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 86515 can comfortably use conventional financing. The median home price of $279,500 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
With homes sitting for 779 days on average, 86515 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 86515 can comfortably use conventional financing. The median home price of $279,500 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 86515 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 86515
To purchase the median home at $279,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,291.
Monthly Payment
$2,291
Income Required
$98,205
Principal & Interest
$1,722/mo
Down Payment (5%)
$13,975
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 86515.
Estimated Monthly Payment
$1,880
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