85623 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85623 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$568,250
Days to Sell
90
Homes Sold
46
Inventory
56
Sale-to-List
97.4%
New Listings
38
Price/SqFt
$278
Pending Sales
43
Conforming Loan Available
Most homebuyers in 85623 can comfortably use conventional financing. The median home price of $568,250 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 90 days on average, 85623 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 85623 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85623 can comfortably use conventional financing. The median home price of $568,250 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 85623 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 85623
To purchase the median home at $568,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,504.
Monthly Payment
$4,504
Income Required
$193,018
Principal & Interest
$3,501/mo
Down Payment (5%)
$28,413
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 85623.
Estimated Monthly Payment
$3,667
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 85623. Tell us what you're looking for.