85004 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85004 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$457,500
Days to Sell
56
Homes Sold
20
Inventory
55
Sale-to-List
96.9%
New Listings
38
Price/SqFt
$315
Pending Sales
25
Conforming Loan Available
Most homebuyers in 85004 can comfortably use conventional financing. The median home price of $457,500 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
85004's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85004 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85004 can comfortably use conventional financing. The median home price of $457,500 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 85004 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 85004
To purchase the median home at $457,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,655.
Monthly Payment
$3,655
Income Required
$156,652
Principal & Interest
$2,819/mo
Down Payment (5%)
$22,875
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 85004.
Estimated Monthly Payment
$2,981
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