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 39.3% correction for affordability
DOM: 73d (rising) · 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%)50
Days on Market (5%)75
Balanced market in 85054. List price is roughly fair — focus on condition and value. Payment burden: 49.4% of median income. A 29% price correction needed to reach 30% affordability threshold. Median days on market: 73. Renting is approximately 155% cheaper than buying (price-to-rent ratio: 30.6).
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.
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F45 TrainingLife TimeOrangetheory Fitnessfloo-id YogaRadi8 Hot YogaEoS Fitness+2 more
Venues & culture9
Rick Bronson's House of ComedyAMC Desert Ridge 18Harkins Theatres Scottsdale 101Penske Racing MuseumPhoenix Film FestivalRR Donnelley LPGA Founders Cup+3 more
Dining & cafés40
Humble Oysters & BubblesMellow MushroomYogis GrillHula's Modern TikiModern MargaritaTorch Cigar Bar+34 more
Getting around1
Desert Ridge Marketplace
Weekend range11
Usdi Bureau Of Reclamation, Central Arizona Project, Orme Dam Water Reserve Withdrawal · national conservation area19 mi
Hells Canyon Wilderness Area · wilderness area31 mi
Mazatzal Wilderness · wilderness area33 mi
Four Peaks Wilderness · wilderness area35 mi
Sierra Estrella Wilderness Area · wilderness area36 mi
Superstition Wilderness Water Sources, Plo 5368 Watershed Withdrawal · national conservation area37 mi
Castle Creek Wilderness · wilderness area40 mi
Pine Mountain Wilderness · wilderness area43 mi
Gila River Waterfowl Management Area · national conservation area46 mi
Hassayampa River Canyon Wilderness Area · wilderness area47 mi
Straight-line distance from the ZIP centroid (USGS PAD-US).
1,646 ft above sea level elevation · USGS 3DEPPhoenix: incorporated/founded 1868; named after phoenix · Wikidata
Maricopa County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 85054→Maricopa County, AZ
12-Month Direction
-5Stable
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 Burden44
33.4%
stretched
Source: Lotvox · Updated 2026-05-15
Buy vs Rent6
1.914x
rent advantage
Source: Lotvox · Updated 2026-05-15
Valuation10
+71.3%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand17
3.5 mo
balanced
Source: Lotvox MLS · Updated 2026-05-15
Insurance Risk
32/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
3.7%
AZ 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0540d ago
Poverty Rate
11.1%
AZ 12.7%US 12.6%
Near national averages
Median Household Income
$85,518
AZ $77,970US $82,006
Higher than most U.S. counties
Cost of Living (RPP)
99.3
AZ 99.3US 100.3
Near national averages
Home Value (ZHVI)$460,378
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
