85027 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85027 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$399,945
Days to Sell
38
Homes Sold
86
Inventory
56
Sale-to-List
97.3%
New Listings
94
Price/SqFt
$273
Pending Sales
87
Conforming Loan Available
Most homebuyers in 85027 can comfortably use conventional financing. The median home price of $399,945 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
85027's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85027 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85027 can comfortably use conventional financing. The median home price of $399,945 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 85027 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 85027
To purchase the median home at $399,945 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,214.
Monthly Payment
$3,214
Income Required
$137,753
Principal & Interest
$2,464/mo
Down Payment (5%)
$19,997
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 85027.
Estimated Monthly Payment
$2,625
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