85301 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85301 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$228,100
Days to Sell
94
Homes Sold
26
Inventory
39
Sale-to-List
98.5%
New Listings
44
Price/SqFt
$184
Pending Sales
39
Conforming Loan Available
Most homebuyers in 85301 can comfortably use conventional financing. The median home price of $228,100 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 94 days on average, 85301 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
Homes are selling very close to asking price in 85301 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85301 can comfortably use conventional financing. The median home price of $228,100 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 85301 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 85301
To purchase the median home at $228,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,898.
Monthly Payment
$1,898
Income Required
$81,327
Principal & Interest
$1,405/mo
Down Payment (5%)
$11,405
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 85301.
Estimated Monthly Payment
$1,562
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