85354 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85354 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$439,950
Days to Sell
103
Homes Sold
52
Inventory
95
Sale-to-List
99.0%
New Listings
74
Price/SqFt
$227
Pending Sales
58
Conforming Loan Available
Most homebuyers in 85354 can comfortably use conventional financing. The median home price of $439,950 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
With homes sitting for 103 days on average, 85354 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
Homes are selling very close to asking price in 85354 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85354 can comfortably use conventional financing. The median home price of $439,950 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 85354 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 85354
To purchase the median home at $439,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,890
Principal & Interest
$2,711/mo
Down Payment (5%)
$21,998
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 85354.
Estimated Monthly Payment
$2,873
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