85020 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85020 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
140 sales in 2026 (year to date)
Median Sale Price
$440,000
Days to Sell
49
Homes Sold
140
Inventory
230
Sale-to-List
97.1%
New Listings
213
Price/SqFt
$303
Pending Sales
168
Conforming Loan Available
Most homebuyers in 85020 can comfortably use conventional financing. The median home price of $440,000 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
85020's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85020 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85020 can comfortably use conventional financing. The median home price of $440,000 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 85020 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 85020
To purchase the median home at $440,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,906
Principal & Interest
$2,711/mo
Down Payment (5%)
$22,000
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 85020.
Estimated Monthly Payment
$2,873
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