85345 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85345 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
142 sales in 2026 (year to date)
Median Sale Price
$375,000
Days to Sell
46
Homes Sold
142
Inventory
143
Sale-to-List
99.2%
New Listings
182
Price/SqFt
$244
Pending Sales
175
Conforming Loan Available
Most homebuyers in 85345 can comfortably use conventional financing. The median home price of $375,000 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
85345's market is balanced with homes taking an average of 46 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 85345 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85345 can comfortably use conventional financing. The median home price of $375,000 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 85345 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 85345
To purchase the median home at $375,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,023.
Monthly Payment
$3,023
Income Required
$129,563
Principal & Interest
$2,311/mo
Down Payment (5%)
$18,750
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 85345.
Estimated Monthly Payment
$2,471
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