85631 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85631 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$160,250
Days to Sell
112
Homes Sold
15
Inventory
17
Sale-to-List
95.1%
New Listings
18
Price/SqFt
$140
Pending Sales
14
Conforming Loan Available
Most homebuyers in 85631 can comfortably use conventional financing. The median home price of $160,250 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 112 days on average, 85631 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 85631 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85631 can comfortably use conventional financing. The median home price of $160,250 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 85631 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 85631
To purchase the median home at $160,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,378.
Monthly Payment
$1,378
Income Required
$59,048
Principal & Interest
$987/mo
Down Payment (5%)
$8,013
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 85631.
Estimated Monthly Payment
$1,142
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