Phoenix 85021

Maricopa County, AZ · 9,853 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

25affordability /100

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

Payment burden

46.4%

severe

Days on market

daily

Price cuts

34.0%

of active

Valuation

+87.3%

vs assessor

Look up an address

/100

Weak

stable · buyer advantage · prices easing year-over-year.

Price trend

Affordability

Valuation

Economic health

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

Balanced Market

Needs 35.3% correction for affordability

DOM: 62d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)100

Valuation Gap (25%)10

Supply & Demand (20%)20

Buy vs Rent (15%)100

Cancellation Rate (10%)25

Days on Market (5%)75

Balanced market in 85021. List price is roughly fair — focus on condition and value. Payment burden: 45.5% of median income. A 23% price correction needed to reach 30% affordability threshold. Median days on market: 62. Renting is approximately 153% cheaper than buying (price-to-rent ratio: 30.4).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.

STABLEBUYER ADVANTAGE

Market is holding steady with balanced conditions. Buyers have strong negotiating leverage.

Turnover Index · Coming soonLotvox Turnover Index needs 30 recorded sales before a grade is published.

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Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/85021" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Phoenix 85021 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/phoenix/zip/85021?utm_source=embed&utm_medium=backlink">Phoenix 85021 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$437,372

▾ 0.6% YoY

Days on market

daily · zip_data

Median rent

$1,218

ZORI

Investor score

30/100

cash-flow lens

Active listings

126

90-day

Valuation3 lenses, different anchors

vs assessor

+87.3%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$819,400

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+70.4%

County-wide market — the widest, slowest signal.

Maricopa+70.4%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$633

Price-to-income7.5×

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How 85021 ranks in AZ

percentile vs all Arizona ZIPs · n=398

Market velocity71%

Supply tightness85%

Affordability14%

Investment yield14%

Appreciation44%

Affordability, supply & momentum

70SUPPLY

Tight MarketSupply Tightness

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

Months of Supply2.6 mo

Days on Market50d

Inv vs History+5.0%

Listing Density7.6/1k

Affordability — payment burden

Monthly payment (P&I)$2,260

Payment burden46.4%

Median income · ZIP$58,481

Mortgage rate6.71% · 30yr

Total monthly own$2,698

Monthly rent$1,218

Market dynamics

Price cut %34.0%

Momentumstable

LeverageBUYER ADVANTAGE

Months of supply2.6

Sales (90d)0

Investment analysis

Median rent$1,218

Price-to-rent30.4

Est. cap rate2.1%

Buy vs rentfavors renting

Livability

Walk score7

Transit score15

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Maricopa.

Aggregate median -2.2% YoY in this ZIP, but the under-$500k tier is -2.9% — the aggregate and the entry tier are moving together. Over the same year the under-$500k share of sales moved from 50.2% to 51.5% (+1.3pp) and the $1M+ share from 18.6% to 22.7% (+4.1pp).

Current tiers · 12 months to Aug 25floor 10 sales/tier

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$199k	$196	32	12.1%	ZIP
$250k–$500k	$364k	$256	104	39.4%	ZIP
$500k–$750k	$610k	$340	43	16.3%	ZIP
$750k–$1M	$850k	$367	25	9.5%	ZIP
$1M–$1.5M	$1.16M	$386	34	12.9%	ZIP
$1.5M–$2M	$1.65M	$473	16	6.1%	ZIP
$2M+	$2.70M	$583	10	3.8%	ZIP
All sales (the headline median)	$485k	$301	264	100%	ZIP

Share of sales by tier (quarterly)

If the upper tiers widen over time, the headline median rises on composition alone.

Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+

Median within each tier, against the headline median (quarterly)

The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.

Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
All sales (headline)

National context — not local

NAR's aggregate existing-home median for the United States and the West census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 85021.

United States
West

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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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.

ZIP 85021→Maricopa County, AZ

12-Month Direction

-7Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

41· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden45

33.2%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent6

1.915x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation11

+70.4%

overvalued

Source: Lotvox comps · Updated 2026-05-15