85739 — Pinal County, Arizona Market Snapshot
Housing market data for zip code 85739 in Pinal County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
151 sales in 2026 (year to date)
Median Sale Price
$475,000
Days to Sell
91
Homes Sold
151
Inventory
165
Sale-to-List
97.3%
New Listings
132
Price/SqFt
$225
Pending Sales
151
Conforming Loan Available
Most homebuyers in 85739 can comfortably use conventional financing. The median home price of $475,000 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 91 days on average, 85739 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 85739 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 85739 can comfortably use conventional financing. The median home price of $475,000 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 85739 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 85739
To purchase the median home at $475,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,399
Principal & Interest
$2,927/mo
Down Payment (5%)
$23,750
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 85739.
Estimated Monthly Payment
$3,090
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