85145 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85145 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$291,740
Days to Sell
85
Homes Sold
41
Inventory
48
Sale-to-List
98.3%
New Listings
40
Price/SqFt
$172
Pending Sales
50
Conforming Loan Available
Most homebuyers in 85145 can comfortably use conventional financing. The median home price of $291,740 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 85 days on average, 85145 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 85145 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85145 can comfortably use conventional financing. The median home price of $291,740 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 85145 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 85145
To purchase the median home at $291,740 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,385.
Monthly Payment
$2,385
Income Required
$102,224
Principal & Interest
$1,798/mo
Down Payment (5%)
$14,587
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 85145.
Estimated Monthly Payment
$1,956
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