85249 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85249 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
219 sales in 2026 (year to date)
Median Sale Price
$639,900
Days to Sell
55
Homes Sold
219
Inventory
194
Sale-to-List
97.8%
New Listings
232
Price/SqFt
$278
Pending Sales
219
Conforming Loan Available
Most homebuyers in 85249 can comfortably use conventional financing. The median home price of $639,900 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
85249's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85249 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85249 can comfortably use conventional financing. The median home price of $639,900 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 85249 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 85249
To purchase the median home at $639,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,053.
Monthly Payment
$5,053
Income Required
$216,545
Principal & Interest
$3,943/mo
Down Payment (5%)
$31,995
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 85249.
Estimated Monthly Payment
$4,110
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