85260 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85260 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
126 sales in 2026 (year to date)
Median Sale Price
$982,500
Days to Sell
43
Homes Sold
126
Inventory
112
Sale-to-List
97.3%
New Listings
150
Price/SqFt
$418
Pending Sales
139
Jumbo Loan Likely Needed
The median home in 85260 at $982,500 exceeds the 2026 conforming loan limit of $832,750 by $149,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
85260's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85260 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 85260 at $982,500 exceeds the 2026 conforming loan limit of $832,750 by $149,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 85260 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 85260
To purchase the median home at $982,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,678.
Monthly Payment
$7,678
Income Required
$329,040
Principal & Interest
$6,054/mo
Down Payment (5%)
$49,125
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 85260.
Estimated Monthly Payment
$6,230
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