85546 — Graham County, Arizona Market Snapshot
Housing market data for zip code 85546 in Graham County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$338,000
Days to Sell
98
Homes Sold
12
Inventory
9
Sale-to-List
99.9%
New Listings
11
Price/SqFt
$203
Pending Sales
11
Conforming Loan Available
Most homebuyers in 85546 can comfortably use conventional financing. The median home price of $338,000 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 98 days on average, 85546 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 85546 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85546 can comfortably use conventional financing. The median home price of $338,000 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 85546 are set at the county level.
2026 Loan Limits — Graham 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 85546
To purchase the median home at $338,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,740.
Monthly Payment
$2,740
Income Required
$117,414
Principal & Interest
$2,083/mo
Down Payment (5%)
$16,900
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 85546.
Estimated Monthly Payment
$2,242
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