86314 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86314 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$546,250
Days to Sell
22
Homes Sold
13
Inventory
16
Sale-to-List
96.0%
New Listings
13
Price/SqFt
$244
Pending Sales
13
Conforming Loan Available
Most homebuyers in 86314 can comfortably use conventional financing. The median home price of $546,250 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
Homes in 86314 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 86314 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86314 can comfortably use conventional financing. The median home price of $546,250 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 86314 are set at the county level.
2026 Loan Limits — Yavapai 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 86314
To purchase the median home at $546,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,335.
Monthly Payment
$4,335
Income Required
$185,794
Principal & Interest
$3,366/mo
Down Payment (5%)
$27,313
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 86314.
Estimated Monthly Payment
$3,531
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