85712 — Pima County, Arizona Market Snapshot
Housing market data for zip code 85712 in Pima County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
95 sales in 2026 (year to date)
Median Sale Price
$290,000
Days to Sell
59
Homes Sold
95
Inventory
127
Sale-to-List
97.0%
New Listings
132
Price/SqFt
$208
Pending Sales
103
Conforming Loan Available
Most homebuyers in 85712 can comfortably use conventional financing. The median home price of $290,000 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
85712's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 85712 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85712 can comfortably use conventional financing. The median home price of $290,000 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 85712 are set at the county level.
2026 Loan Limits — Pima County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 85712
To purchase the median home at $290,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 85712.
Estimated Monthly Payment
$1,945
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