85296 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85296 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
187 sales in 2026 (year to date)
Median Sale Price
$595,000
Days to Sell
45
Homes Sold
187
Inventory
184
Sale-to-List
98.4%
New Listings
260
Price/SqFt
$291
Pending Sales
215
Conforming Loan Available
Most homebuyers in 85296 can comfortably use conventional financing. The median home price of $595,000 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
85296's market is balanced with homes taking an average of 45 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 85296 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85296 can comfortably use conventional financing. The median home price of $595,000 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 85296 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 85296
To purchase the median home at $595,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,709.
Monthly Payment
$4,709
Income Required
$201,801
Principal & Interest
$3,666/mo
Down Payment (5%)
$29,750
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 85296.
Estimated Monthly Payment
$3,832
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