85226 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85226 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
94 sales in 2026 (year to date)
Median Sale Price
$515,000
Days to Sell
35
Homes Sold
94
Inventory
84
Sale-to-List
98.9%
New Listings
115
Price/SqFt
$294
Pending Sales
93
Conforming Loan Available
Most homebuyers in 85226 can comfortably use conventional financing. The median home price of $515,000 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
85226's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 85226 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85226 can comfortably use conventional financing. The median home price of $515,000 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 85226 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 85226
To purchase the median home at $515,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,096.
Monthly Payment
$4,096
Income Required
$175,533
Principal & Interest
$3,173/mo
Down Payment (5%)
$25,750
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 85226.
Estimated Monthly Payment
$3,337
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