85286 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85286 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
151 sales in 2026 (year to date)
Median Sale Price
$633,500
Days to Sell
46
Homes Sold
151
Inventory
131
Sale-to-List
98.1%
New Listings
169
Price/SqFt
$277
Pending Sales
151
Conforming Loan Available
Most homebuyers in 85286 can comfortably use conventional financing. The median home price of $633,500 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
85286's market is balanced with homes taking an average of 46 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 85286 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85286 can comfortably use conventional financing. The median home price of $633,500 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 85286 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 85286
To purchase the median home at $633,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,004.
Monthly Payment
$5,004
Income Required
$214,443
Principal & Interest
$3,903/mo
Down Payment (5%)
$31,675
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 85286.
Estimated Monthly Payment
$4,071
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