85396 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85396 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
365 sales in 2026 (year to date)
Median Sale Price
$446,990
Days to Sell
82
Homes Sold
365
Inventory
512
Sale-to-List
98.4%
New Listings
426
Price/SqFt
$237
Pending Sales
393
Conforming Loan Available
Most homebuyers in 85396 can comfortably use conventional financing. The median home price of $446,990 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 82 days on average, 85396 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 85396 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85396 can comfortably use conventional financing. The median home price of $446,990 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 85396 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 85396
To purchase the median home at $446,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,575.
Monthly Payment
$3,575
Income Required
$153,201
Principal & Interest
$2,754/mo
Down Payment (5%)
$22,350
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 85396.
Estimated Monthly Payment
$2,916
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