85050 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85050 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$670,000
Days to Sell
45
Homes Sold
115
Inventory
107
Sale-to-List
98.0%
New Listings
148
Price/SqFt
$333
Pending Sales
119
Conforming Loan Available
The median home in 85050 at $670,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
85050'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
The average home in 85050 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 85050 at $670,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 85050 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 85050
To purchase the median home at $670,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,283.
Monthly Payment
$5,283
Income Required
$226,428
Principal & Interest
$4,128/mo
Down Payment (5%)
$33,500
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 85050.
Estimated Monthly Payment
$4,296
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