85118 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85118 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$427,750
Days to Sell
77
Homes Sold
16
Inventory
15
Sale-to-List
97.2%
New Listings
11
Price/SqFt
$254
Pending Sales
13
Conforming Loan Available
Most homebuyers in 85118 can comfortably use conventional financing. The median home price of $427,750 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 77 days on average, 85118 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 85118 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85118 can comfortably use conventional financing. The median home price of $427,750 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 85118 are set at the county level.
2026 Loan Limits — Pinal 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 85118
To purchase the median home at $427,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,427.
Monthly Payment
$3,427
Income Required
$146,884
Principal & Interest
$2,636/mo
Down Payment (5%)
$21,388
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 85118.
Estimated Monthly Payment
$2,797
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