85395 — Maricopa County, Arizona Market Snapshot
Housing market data for zip code 85395 in Maricopa County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
210 sales in 2026 (year to date)
Median Sale Price
$546,750
Days to Sell
55
Homes Sold
210
Inventory
212
Sale-to-List
98.4%
New Listings
210
Price/SqFt
$246
Pending Sales
215
Conforming Loan Available
Most homebuyers in 85395 can comfortably use conventional financing. The median home price of $546,750 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
85395'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
Homes are selling very close to asking price in 85395 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85395 can comfortably use conventional financing. The median home price of $546,750 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 85395 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 85395
To purchase the median home at $546,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,339.
Monthly Payment
$4,339
Income Required
$185,958
Principal & Interest
$3,369/mo
Down Payment (5%)
$27,338
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 85395.
Estimated Monthly Payment
$3,534
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 85395. Tell us what you're looking for.