85374 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85374 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
259 sales in 2026 (year to date)
Median Sale Price
$395,000
Days to Sell
63
Homes Sold
259
Inventory
257
Sale-to-List
97.3%
New Listings
257
Price/SqFt
$235
Pending Sales
291
Conforming Loan Available
Most homebuyers in 85374 can comfortably use conventional financing. The median home price of $395,000 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
With homes sitting for 63 days on average, 85374 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
The average home in 85374 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 85374 can comfortably use conventional financing. The median home price of $395,000 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 85374 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 85374
To purchase the median home at $395,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,176.
Monthly Payment
$3,176
Income Required
$136,130
Principal & Interest
$2,434/mo
Down Payment (5%)
$19,750
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 85374.
Estimated Monthly Payment
$2,595
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