85140 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85140 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
387 sales in 2026 (year to date)
Median Sale Price
$474,990
Days to Sell
68
Homes Sold
387
Inventory
398
Sale-to-List
99.0%
New Listings
412
Price/SqFt
$231
Pending Sales
395
Conforming Loan Available
Most homebuyers in 85140 can comfortably use conventional financing. The median home price of $474,990 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 68 days on average, 85140 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 85140 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85140 can comfortably use conventional financing. The median home price of $474,990 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 85140 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 85140
To purchase the median home at $474,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,395
Principal & Interest
$2,927/mo
Down Payment (5%)
$23,750
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 85140.
Estimated Monthly Payment
$3,090
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