85139 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85139 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
141 sales in 2026 (year to date)
Median Sale Price
$358,000
Days to Sell
67
Homes Sold
141
Inventory
123
Sale-to-List
99.3%
New Listings
132
Price/SqFt
$180
Pending Sales
144
Conforming Loan Available
Most homebuyers in 85139 can comfortably use conventional financing. The median home price of $358,000 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 67 days on average, 85139 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 85139 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 85139 can comfortably use conventional financing. The median home price of $358,000 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 85139 are set at the county level.
2026 Loan Limits — Pinal 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 85139
To purchase the median home at $358,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,893.
Monthly Payment
$2,893
Income Required
$123,981
Principal & Interest
$2,206/mo
Down Payment (5%)
$17,900
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 85139.
Estimated Monthly Payment
$2,366
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