86431 — Mohave County, Arizona Market Snapshot
Housing market data for zip code 86431 in Mohave 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 Mohave County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$174,436
Days to Sell
208
Homes Sold
1
Inventory
3
Conforming Loan Available
Most homebuyers in 86431 can comfortably use conventional financing. The median home price of $174,436 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 208 days on average, 86431 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 86431 can comfortably use conventional financing. The median home price of $174,436 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 86431 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 86431
To purchase the median home at $174,436 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,486.
Monthly Payment
$1,486
Income Required
$63,706
Principal & Interest
$1,075/mo
Down Payment (5%)
$8,722
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 86431.
Estimated Monthly Payment
$1,230
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