85142 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85142 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
382 sales in 2026 (year to date)
Median Sale Price
$665,450
Days to Sell
69
Homes Sold
382
Inventory
487
Sale-to-List
98.3%
New Listings
491
Price/SqFt
$258
Pending Sales
406
Conforming Loan Available
Most homebuyers in 85142 can comfortably use conventional financing. The median home price of $665,450 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 69 days on average, 85142 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 85142 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85142 can comfortably use conventional financing. The median home price of $665,450 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 85142 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 85142
To purchase the median home at $665,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,248.
Monthly Payment
$5,248
Income Required
$224,934
Principal & Interest
$4,100/mo
Down Payment (5%)
$33,273
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 85142.
Estimated Monthly Payment
$4,268
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