Phoenix 85020

Maricopa County, AZ · 14,573 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

48affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
31.7%
stretched
Days on market
49
daily
Price cuts
38.9%
of active
Valuation
-1.2%
vs assessor
Look up an address
58
/100
Mixed
stable · seller slight · prices easing year-over-year.
Price trend
35
Affordability
65
Valuation
90
Economic health
48

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

33/ 100SellerBalancedBuyer
Seller's Market
Needs 5.4% correction for affordability
DOM: 54d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 85020. Expect to pay at or near list price. Payment burden: 31.7% of median income. Median days on market: 54. Renting is approximately 100% cheaper than buying (price-to-rent ratio: 24.0).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$409,634
▾ 0.9% YoY
Days on market
49
daily · zip_data
Median rent
$1,422
ZORI
Investor score
36/100
cash-flow lens
Active listings
230
90-day

Valuation3 lenses, different anchors

vs assessor
-1.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$404,800
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+71.3%
County-wide market — the widest, slowest signal.
Maricopa+71.3%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$328
Price-to-income5.2×

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How 85020 ranks in AZ
percentile vs all Arizona ZIPs · n=398
Market velocity73%
Supply tightness92%
Affordability51%
Investment yield31%
Appreciation42%

Affordability, supply & momentum

63SUPPLY
Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply2.6 mo
Days on Market49d
Inv vs History+16.8%
Listing Density13.9/1k
Affordability — payment burden
Monthly payment (P&I)$2,069
Payment burden31.7%
Median income · ZIP$78,412
Mortgage rate6.49% · 30yr
Total monthly own$2,479
Monthly rent$1,422
Market dynamics
Price cut %38.9%
Momentumstable
LeverageSELLER SLIGHT
Months of supply2.6
Sales (90d)0
Investment analysis
Median rent$1,422
Price-to-rent24.0
Est. cap rate2.7%
Buy vs rentfavors renting

Livability

Walk score8
Transit score5
Bike score—
Places & amenities in ZIP 85020 · 69 mapped
Leaflet © OpenStreetMap contributors © CARTO
Parks & open space9
Sumida ParkPalma ParkSunnyslope ParkNorton Park10th Street Wash BasinHerberger Park One+3 more
Trails16
Murphy Bridle PathPhoenix–Sonoran BikewaySun Circle TrailDreamy Draw BikewayMyrtle TunnelNorth Mountain Park Walking Path+10 more
Recreation & aquatics2
Sunnyslope PoolPlanet Fitness
Venues & culture4
Sunnyslope Historical SocietyAcacia LibrarySt. Stephen CathedralEl Cid Castle
Dining & cafés30
Veggie VillageLittle Miss BBQDilla LibreFull Moon IzakayaNorth Central Sports BarIrene's Tap Room+24 more
Land & water7
#100 - Charles M. Christiansen Trail10th St Wash Basin #1Arizona Canal Diversion ChannelMyrtle TunnelMyrtle Wash10th Street Wash+1 more
Weekend range11
Usdi Bureau Of Reclamation, Central Arizona Project, Orme Dam Water Reserve Withdrawal · national conservation area24 mi
Sierra Estrella Wilderness Area · wilderness area27 mi
Hells Canyon Wilderness Area · wilderness area32 mi
Gila River Waterfowl Management Area · national conservation area37 mi
Four Peaks Wilderness · wilderness area39 mi
Superstition Wilderness · wilderness area42 mi
North Maricopa Mountains Wilderness Area · wilderness area42 mi
Mazatzal Wilderness · wilderness area42 mi
Castle Creek Wilderness · wilderness area45 mi
Hassayampa River Canyon Wilderness Area · wilderness area48 mi

Straight-line distance from the ZIP centroid (USGS PAD-US).

1,291 ft above sea level elevation · USGS 3DEP2 protected / open-space parcels · USGS PAD-USPhoenix: incorporated/founded 1868; named after phoenix · Wikidata

Place data: NPS National Register of Historic Places · USGS 3D Elevation Program · USGS Protected Areas Database (PAD-US) · Wikidata · © OpenStreetMap contributors — licensed ODbL (OpenStreetMap), CC0 (Wikidata) and US public domain (USGS, NPS, Census). Every place shown comes from the named sources; nothing is editorialized.

Historical trends

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Maricopa County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Phoenix Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Maricopa County