84339 — Cache County, Utah Market Snapshot
Housing market data for zip code 84339 in Cache County, Utah. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$458,000
Days to Sell
70
Homes Sold
17
Inventory
17
Sale-to-List
97.9%
New Listings
12
Price/SqFt
$225
Pending Sales
15
Conforming Loan Available
Most homebuyers in 84339 can comfortably use conventional financing. The median home price of $458,000 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
With homes sitting for 70 days on average, 84339 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 84339 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 84339 can comfortably use conventional financing. The median home price of $458,000 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 84339 are set at the county level.
2026 Loan Limits — Cache 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 84339
To purchase the median home at $458,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,659.
Monthly Payment
$3,659
Income Required
$156,816
Principal & Interest
$2,822/mo
Down Payment (5%)
$22,900
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 84339.
Estimated Monthly Payment
$2,984
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