85003 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85003 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$675,000
Days to Sell
47
Homes Sold
27
Inventory
58
Sale-to-List
96.5%
New Listings
32
Price/SqFt
$460
Pending Sales
26
Conforming Loan Available
The median home in 85003 at $675,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
85003's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85003 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 85003 at $675,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 85003 are set at the county level.
2026 Loan Limits — Maricopa 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 85003
To purchase the median home at $675,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,322.
Monthly Payment
$5,322
Income Required
$228,070
Principal & Interest
$4,159/mo
Down Payment (5%)
$33,750
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 85003.
Estimated Monthly Payment
$4,327
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