86401 — Mohave County, Arizona Market Snapshot
Housing market data for zip code 86401 in Mohave County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
181 sales in 2026 (year to date)
Median Sale Price
$279,500
Days to Sell
50
Homes Sold
181
Inventory
177
Sale-to-List
99.0%
New Listings
207
Price/SqFt
$193
Pending Sales
196
Conforming Loan Available
Most homebuyers in 86401 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
86401's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 86401 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 86401 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 86401 are set at the county level.
2026 Loan Limits — Mohave 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 86401
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 86401.
Estimated Monthly Payment
$1,880
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