85544 — Gila County, Arizona Market Snapshot
Housing market data for zip code 85544 in Gila County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$442,000
Days to Sell
43
Homes Sold
38
Inventory
90
Sale-to-List
95.3%
New Listings
79
Price/SqFt
$348
Pending Sales
62
Conforming Loan Available
Most homebuyers in 85544 can comfortably use conventional financing. The median home price of $442,000 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
85544's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85544 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85544 can comfortably use conventional financing. The median home price of $442,000 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 85544 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 85544
To purchase the median home at $442,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,536.
Monthly Payment
$3,536
Income Required
$151,563
Principal & Interest
$2,723/mo
Down Payment (5%)
$22,100
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 85544.
Estimated Monthly Payment
$2,885
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