85742 — Pima County, Arizona Market Snapshot
Housing market data for zip code 85742 in Pima County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
143 sales in 2026 (year to date)
Median Sale Price
$419,000
Days to Sell
60
Homes Sold
143
Inventory
161
Sale-to-List
98.0%
New Listings
184
Price/SqFt
$235
Pending Sales
165
Conforming Loan Available
Most homebuyers in 85742 can comfortably use conventional financing. The median home price of $419,000 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
With homes sitting for 60 days on average, 85742 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 85742 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85742 can comfortably use conventional financing. The median home price of $419,000 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 85742 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 85742
To purchase the median home at $419,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,360.
Monthly Payment
$3,360
Income Required
$144,010
Principal & Interest
$2,582/mo
Down Payment (5%)
$20,950
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 85742.
Estimated Monthly Payment
$2,743
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