86440 — Mohave County, Arizona Market Snapshot
Housing market data for zip code 86440 in Mohave County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$351,500
Days to Sell
79
Homes Sold
30
Inventory
46
Sale-to-List
96.2%
New Listings
37
Price/SqFt
$228
Pending Sales
27
Conforming Loan Available
Most homebuyers in 86440 can comfortably use conventional financing. The median home price of $351,500 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 79 days on average, 86440 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
The average home in 86440 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86440 can comfortably use conventional financing. The median home price of $351,500 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 86440 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 86440
To purchase the median home at $351,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,843.
Monthly Payment
$2,843
Income Required
$121,846
Principal & Interest
$2,166/mo
Down Payment (5%)
$17,575
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 86440.
Estimated Monthly Payment
$2,325
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