85501 — Gila County, Arizona Market Snapshot
Housing market data for zip code 85501 in Gila County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$162,450
Days to Sell
65
Homes Sold
12
Inventory
19
Sale-to-List
92.8%
New Listings
17
Price/SqFt
$141
Pending Sales
13
Conforming Loan Available
Most homebuyers in 85501 can comfortably use conventional financing. The median home price of $162,450 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 65 days on average, 85501 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 85501 sells for 7.2% below asking price (92.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85501 can comfortably use conventional financing. The median home price of $162,450 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 85501 are set at the county level.
2026 Loan Limits — Gila 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 85501
To purchase the median home at $162,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,395.
Monthly Payment
$1,395
Income Required
$59,770
Principal & Interest
$1,001/mo
Down Payment (5%)
$8,123
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 85501.
Estimated Monthly Payment
$1,155
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 85501. Tell us what you're looking for.