86323 — Yavapai County, Arizona Market Snapshot
Housing market data for zip code 86323 in Yavapai County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
56
Homes Sold
90
Inventory
117
Sale-to-List
97.5%
New Listings
114
Price/SqFt
$285
Pending Sales
106
Conforming Loan Available
Most homebuyers in 86323 can comfortably use conventional financing. The median home price of $435,000 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
86323's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 86323 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 86323 can comfortably use conventional financing. The median home price of $435,000 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 86323 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 86323
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 86323.
Estimated Monthly Payment
$2,842
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