85254 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85254 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
255 sales in 2026 (year to date)
Median Sale Price
$925,000
Days to Sell
56
Homes Sold
255
Inventory
334
Sale-to-List
97.0%
New Listings
346
Price/SqFt
$423
Pending Sales
285
Jumbo Loan Likely Needed
The median home in 85254 at $925,000 exceeds the 2026 conforming loan limit of $832,750 by $92,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
85254's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85254 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 85254 at $925,000 exceeds the 2026 conforming loan limit of $832,750 by $92,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 85254 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 85254
To purchase the median home at $925,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,237.
Monthly Payment
$7,237
Income Required
$310,160
Principal & Interest
$5,700/mo
Down Payment (5%)
$46,250
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 85254.
Estimated Monthly Payment
$5,875
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