85138 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85138 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
424 sales in 2026 (year to date)
Median Sale Price
$345,000
Days to Sell
90
Homes Sold
424
Inventory
482
Sale-to-List
98.4%
New Listings
471
Price/SqFt
$183
Pending Sales
469
Conforming Loan Available
Most homebuyers in 85138 can comfortably use conventional financing. The median home price of $345,000 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 90 days on average, 85138 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 85138 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85138 can comfortably use conventional financing. The median home price of $345,000 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 85138 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 85138
To purchase the median home at $345,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,712
Principal & Interest
$2,126/mo
Down Payment (5%)
$17,250
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 85138.
Estimated Monthly Payment
$2,285
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