85250 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85250 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$366,450
Days to Sell
83
Homes Sold
12
Inventory
33
Sale-to-List
96.8%
New Listings
30
Price/SqFt
$323
Pending Sales
17
Conforming Loan Available
Most homebuyers in 85250 can comfortably use conventional financing. The median home price of $366,450 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 83 days on average, 85250 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 85250 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85250 can comfortably use conventional financing. The median home price of $366,450 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 85250 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 85250
To purchase the median home at $366,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,958.
Monthly Payment
$2,958
Income Required
$126,755
Principal & Interest
$2,258/mo
Down Payment (5%)
$18,323
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 85250.
Estimated Monthly Payment
$2,418
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