85745 — Pima County, Arizona Market Snapshot
Housing market data for zip code 85745 in Pima County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
99 sales in 2026 (year to date)
Median Sale Price
$362,000
Days to Sell
54
Homes Sold
99
Inventory
115
Sale-to-List
98.7%
New Listings
125
Price/SqFt
$248
Pending Sales
109
Conforming Loan Available
Most homebuyers in 85745 can comfortably use conventional financing. The median home price of $362,000 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
85745's market is balanced with homes taking an average of 54 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 85745 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85745 can comfortably use conventional financing. The median home price of $362,000 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 85745 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 85745
To purchase the median home at $362,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,924.
Monthly Payment
$2,924
Income Required
$125,294
Principal & Interest
$2,231/mo
Down Payment (5%)
$18,100
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 85745.
Estimated Monthly Payment
$2,390
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 85745. Tell us what you're looking for.