85392 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85392 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$424,995
Days to Sell
57
Homes Sold
112
Inventory
117
Sale-to-List
98.4%
New Listings
130
Price/SqFt
$228
Pending Sales
125
Conforming Loan Available
Most homebuyers in 85392 can comfortably use conventional financing. The median home price of $424,995 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
85392's market is balanced with homes taking an average of 57 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 85392 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85392 can comfortably use conventional financing. The median home price of $424,995 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 85392 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 85392
To purchase the median home at $424,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,406.
Monthly Payment
$3,406
Income Required
$145,979
Principal & Interest
$2,619/mo
Down Payment (5%)
$21,250
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 85392.
Estimated Monthly Payment
$2,780
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