AZ mortgage rates

Coconino County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Coconino County, Arizona. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Coconino County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$609,500
2 units$780,250
3 units$943,150
4 units$1,172,150

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Coconino County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Coconino

A local view of the market.

Coconino County, AZ, has a strong real estate market with median home values around $720,000 in 2024. The county’s popularity as a tourist destination, particularly around Flagstaff, drives housing demand. Flagstaff, the county seat and largest city, has a population of about 78,000. Other key areas include Page (population 7,500) and Williams (population 3,300). Coconino County offers a mix of urban, suburban, and rural living, with a focus on tourism, education, and retail. Known for its stunning landscapes, national parks, and outdoor recreation, it attracts residents who enjoy nature, a college-town atmosphere, and an active lifestyle.

County snapshot

Market context.

AZ

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaFlagstaffMapped market area
Area code22380CBSA / MSA reference
Featured communityFlagstaffFrom the county record
Data year2026Aligned with this limit record
Flagstaff
Top cities & communities

Communities to explore.

Flagstaff
Questions & Answers

Refinancing in Coconino County

Common questions about 2026 loan limits and refinancing opportunities in Arizona.

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