85641 — Pima County, Arizona Market Snapshot
Housing market data for zip code 85641 in Pima County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
238 sales in 2026 (year to date)
Median Sale Price
$399,665
Days to Sell
82
Homes Sold
238
Inventory
283
Sale-to-List
98.5%
New Listings
271
Price/SqFt
$196
Pending Sales
262
Conforming Loan Available
Most homebuyers in 85641 can comfortably use conventional financing. The median home price of $399,665 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, 85641 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 85641 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85641 can comfortably use conventional financing. The median home price of $399,665 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 85641 are set at the county level.
2026 Loan Limits — Pima County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 85641
To purchase the median home at $399,665 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,212.
Monthly Payment
$3,212
Income Required
$137,662
Principal & Interest
$2,463/mo
Down Payment (5%)
$19,983
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 85641.
Estimated Monthly Payment
$2,623
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