85201 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85201 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$268,700
Days to Sell
59
Homes Sold
32
Inventory
33
Sale-to-List
97.7%
New Listings
44
Price/SqFt
$240
Pending Sales
42
Conforming Loan Available
Most homebuyers in 85201 can comfortably use conventional financing. The median home price of $268,700 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
85201's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85201 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85201 can comfortably use conventional financing. The median home price of $268,700 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 85201 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 85201
To purchase the median home at $268,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,209.
Monthly Payment
$2,209
Income Required
$94,658
Principal & Interest
$1,656/mo
Down Payment (5%)
$13,435
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 85201.
Estimated Monthly Payment
$1,813
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