85006 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85006 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$455,000
Days to Sell
64
Homes Sold
44
Inventory
62
Sale-to-List
96.9%
New Listings
64
Price/SqFt
$355
Pending Sales
56
Conforming Loan Available
Most homebuyers in 85006 can comfortably use conventional financing. The median home price of $455,000 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
With homes sitting for 64 days on average, 85006 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 85006 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85006 can comfortably use conventional financing. The median home price of $455,000 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 85006 are set at the county level.
2026 Loan Limits — Maricopa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $557,750 |
| 2 Units | $1,066,250 | $714,000 |
| 3 Units | $1,288,800 | $863,100 |
| 4 Units | $1,601,750 | $1,072,600 |
Affordability Snapshot — Zip 85006
To purchase the median home at $455,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,636.
Monthly Payment
$3,636
Income Required
$155,832
Principal & Interest
$2,804/mo
Down Payment (5%)
$22,750
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 85006.
Estimated Monthly Payment
$2,966
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