85009 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85009 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$319,390
Days to Sell
76
Homes Sold
52
Inventory
53
Sale-to-List
98.2%
New Listings
59
Price/SqFt
$254
Pending Sales
56
Conforming Loan Available
Most homebuyers in 85009 can comfortably use conventional financing. The median home price of $319,390 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 76 days on average, 85009 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 85009 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85009 can comfortably use conventional financing. The median home price of $319,390 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 85009 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 85009
To purchase the median home at $319,390 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,597.
Monthly Payment
$2,597
Income Required
$111,303
Principal & Interest
$1,968/mo
Down Payment (5%)
$15,970
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 85009.
Estimated Monthly Payment
$2,127
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