85310 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85310 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$522,450
Days to Sell
47
Homes Sold
62
Inventory
75
Sale-to-List
97.3%
New Listings
90
Price/SqFt
$280
Pending Sales
65
Conforming Loan Available
Most homebuyers in 85310 can comfortably use conventional financing. The median home price of $522,450 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
85310's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85310 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85310 can comfortably use conventional financing. The median home price of $522,450 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 85310 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 85310
To purchase the median home at $522,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,153.
Monthly Payment
$4,153
Income Required
$177,979
Principal & Interest
$3,219/mo
Down Payment (5%)
$26,123
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 85310.
Estimated Monthly Payment
$3,383
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