85032 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85032 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
215 sales in 2026 (year to date)
Median Sale Price
$477,375
Days to Sell
45
Homes Sold
215
Inventory
249
Sale-to-List
98.2%
New Listings
308
Price/SqFt
$307
Pending Sales
232
Conforming Loan Available
Most homebuyers in 85032 can comfortably use conventional financing. The median home price of $477,375 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
85032's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 85032 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85032 can comfortably use conventional financing. The median home price of $477,375 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 85032 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 85032
To purchase the median home at $477,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,807.
Monthly Payment
$3,807
Income Required
$163,178
Principal & Interest
$2,941/mo
Down Payment (5%)
$23,869
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 85032.
Estimated Monthly Payment
$3,104
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