CALCMONEY // MORTGAGE // AZ // SEDONA // 86336
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 86336 in Sedona, AZ.
$850,000
$680,000
$5,150
$220,711/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $850,000 | $765,000 | $5,013 | $5,707 | 6.85% |
| 20% Down | $850,000 | $680,000 | $4,456 | $5,150 | 6.85% |
| 25% Down | $850,000 | $637,500 | $4,177 | $4,871 | 6.85% |
Total monthly includes principal & interest, property tax (0.58% annual), and estimated homeowners insurance. PMI not included.
Sedona (ZIP 86336) sits within Sedona, Arizona with a median home price of $850,000 — significantly above the Sedona city-wide median of $850,000. At 80% LTV, the typical loan of $680,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 86336 run 0.58% annually, adding $411 per month on the median home. Median household income in this neighborhood is approximately $75,000, placing the price-to-income ratio at 11.3x. Arizona levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.