85053 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85053 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$383,900
Days to Sell
39
Homes Sold
74
Inventory
65
Sale-to-List
97.8%
New Listings
98
Price/SqFt
$236
Pending Sales
86
Conforming Loan Available
Most homebuyers in 85053 can comfortably use conventional financing. The median home price of $383,900 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
85053's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85053 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85053 can comfortably use conventional financing. The median home price of $383,900 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 85053 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 85053
To purchase the median home at $383,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,091.
Monthly Payment
$3,091
Income Required
$132,485
Principal & Interest
$2,365/mo
Down Payment (5%)
$19,195
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 85053.
Estimated Monthly Payment
$2,526
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