85212 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85212 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$379,995
Days to Sell
54
Homes Sold
16
Inventory
12
Sale-to-List
98.8%
New Listings
11
Price/SqFt
$289
Pending Sales
18
Conforming Loan Available
Most homebuyers in 85212 can comfortably use conventional financing. The median home price of $379,995 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
85212's market is balanced with homes taking an average of 54 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 85212 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85212 can comfortably use conventional financing. The median home price of $379,995 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 85212 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 85212
To purchase the median home at $379,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,203
Principal & Interest
$2,341/mo
Down Payment (5%)
$19,000
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 85212.
Estimated Monthly Payment
$2,502
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