85326 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85326 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
494 sales in 2026 (year to date)
Median Sale Price
$389,990
Days to Sell
68
Homes Sold
494
Inventory
491
Sale-to-List
99.3%
New Listings
563
Price/SqFt
$207
Pending Sales
566
Conforming Loan Available
Most homebuyers in 85326 can comfortably use conventional financing. The median home price of $389,990 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 68 days on average, 85326 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 85326 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85326 can comfortably use conventional financing. The median home price of $389,990 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 85326 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 85326
To purchase the median home at $389,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,485
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 85326.
Estimated Monthly Payment
$2,564
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