85356 — Yuma County, Arizona Market Snapshot
Housing market data for zip code 85356 in Yuma County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$268,250
Days to Sell
157
Homes Sold
20
Inventory
29
Sale-to-List
96.2%
New Listings
18
Price/SqFt
$192
Pending Sales
25
Conforming Loan Available
Most homebuyers in 85356 can comfortably use conventional financing. The median home price of $268,250 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
With homes sitting for 157 days on average, 85356 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 85356 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 85356 can comfortably use conventional financing. The median home price of $268,250 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 85356 are set at the county level.
2026 Loan Limits — Yuma 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 85356
To purchase the median home at $268,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,205.
Monthly Payment
$2,205
Income Required
$94,510
Principal & Interest
$1,653/mo
Down Payment (5%)
$13,413
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 85356.
Estimated Monthly Payment
$1,810
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