ZIP Code 86004 — Flagstaff, AZ Home Prices (2026)
The typical home in ZIP 86004 (Flagstaff, Arizona) is worth about $628,000 at roughly $397 per square foot — 6% more affordable than the Flagstaff median and 114% more expensive than the typical U.S. home.
How 86004 compares
ZIP 86004 is one of the more affordable ZIP codes in Flagstaff: its typical home value of $628,000 ranks #3 of the 3 Flagstaff ZIP codes we track (the citywide range runs from $628,000 in 86004 to $734,000 in 86005). Per square foot it costs about $397, against $403 for Flagstaff as a whole, $249 for Arizona, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 86004 | $628,000 | $397 |
| Flagstaff, AZ | $669,000 | $403 |
| Arizona | $393,000 | $249 |
| United States | $294,000 | $195 |
Home value by size in 86004
Using this ZIP’s rate of about $397 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $397,000 |
| 1,500 sq ft | $595,500 |
| 2,000 sq ft | $794,000 |
| 2,500 sq ft | $992,500 |
| 3,000 sq ft | $1,191,000 |
Salary needed to buy a home in ZIP 86004
To buy the typical $628,000 home in ZIP 86004 with 20% down, you need a household income of roughly $171,000 a year (about $3,990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $203,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $31,400 | $4,950/mo | $212,000/yr |
| 10% (+PMI) | $62,800 | $4,740/mo | $203,000/yr |
| 20% | $125,600 | $3,990/mo | $171,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 86004
At about $397 per square foot, here is roughly how much home different budgets get you in ZIP 86004:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 760 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1510 sq ft | around the typical home here |
| $750k | 1890 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 86004 home.
Estimate a specific home in 86004
The estimator below is pre-set to ZIP 86004 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Flagstaff ZIP codes by home value
Where 86004 sits among Flagstaff’s 3 ZIP codes:
ZIP 86004 home prices: frequently asked
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See the full Flagstaff home values page, all Arizona cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.