85266 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85266 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
141 sales in 2026 (year to date)
Median Sale Price
$1,349,000
Days to Sell
75
Homes Sold
141
Inventory
132
Sale-to-List
96.5%
New Listings
98
Price/SqFt
$459
Pending Sales
135
Jumbo Loan Likely Needed
The median home in 85266 at $1,349,000 exceeds the 2026 conforming loan limit of $832,750 by $516,250. 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
With homes sitting for 75 days on average, 85266 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 85266 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 85266 at $1,349,000 exceeds the 2026 conforming loan limit of $832,750 by $516,250. 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 85266 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 85266
To purchase the median home at $1,349,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,486.
Monthly Payment
$10,486
Income Required
$449,383
Principal & Interest
$8,312/mo
Down Payment (5%)
$67,450
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 85266.
Estimated Monthly Payment
$8,499
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 85266.
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