85614 — Santa Cruz County, Arizona Market Snapshot
Housing market data for zip code 85614 in Santa Cruz County, Arizona. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$116,000
Days to Sell
91
Homes Sold
27
Inventory
41
Sale-to-List
97.3%
New Listings
31
Price/SqFt
$179
Pending Sales
30
Conforming Loan Available
Most homebuyers in 85614 can comfortably use conventional financing. The median home price of $116,000 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, 85614 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 85614 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 85614 can comfortably use conventional financing. The median home price of $116,000 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 85614 are set at the county level.
2026 Loan Limits — Santa Cruz 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 85614
To purchase the median home at $116,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,039.
Monthly Payment
$1,039
Income Required
$44,518
Principal & Interest
$715/mo
Down Payment (5%)
$5,800
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 85614.
Estimated Monthly Payment
$868
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