Gilbert 85295

Maricopa County, AZ · 17,168 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

53affordability /100

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

Payment burden

29%

stretched

Days on market

daily

Price cuts

35.1%

of active

Valuation

-64.3%

vs assessor

Look up an address

/100

Mixed

stable · seller slight · 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

Seller's Market

DOM: 66d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)25

Valuation Gap (25%)10

Supply & Demand (20%)20

Buy vs Rent (15%)75

Cancellation Rate (10%)25

Days on Market (5%)75

Seller-favored market in 85295. Expect to pay at or near list price. Payment burden: 28.5% of median income. Median days on market: 66. Renting is approximately 101% cheaper than buying (price-to-rent ratio: 24.1).

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.

Turnover Index · Coming soonLotvox Turnover Index did not beat random in backtest, so no score is published.

How the score works Accuracy by ZIP Farm territory available · Tier A $299/mo

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/85295" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Gilbert 85295 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/phoenix/zip/85295?utm_source=embed&utm_medium=backlink">Gilbert 85295 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$543,457

▾ 1.0% YoY

Days on market

daily · zip_data

Median rent

$1,878

ZORI

Investor score

36/100

cash-flow lens

Active listings

156

90-day

Valuation3 lenses, different anchors

vs assessor

-64.3%

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

Avg assessor$194,100

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$296

Price-to-income4.7×

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How 85295 ranks in AZ

percentile vs all Arizona ZIPs · n=398

Market velocity84%

Supply tightness81%

Affordability64%

Investment yield31%

Appreciation35%

Affordability, supply & momentum

73SUPPLY

Tight MarketSupply Tightness

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

Months of Supply2.6 mo

Days on Market43d

Inv vs History-0.1%

Listing Density8.4/1k

Affordability — payment burden

Monthly payment (P&I)$2,808

Payment burden29%

Median income · ZIP$116,288

Mortgage rate6.71% · 30yr

Total monthly own$3,352

Monthly rent$1,878

Market dynamics

Price cut %35.1%

Momentumstable

LeverageSELLER SLIGHT

Months of supply2.6

Sales (90d)0

Investment analysis

Median rent$1,878

Price-to-rent24.1

Est. cap rate2.7%

Buy vs rentfavors renting

Livability

Walk score5

Transit score—

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 -1.6% YoY in this ZIP, but the under-$500k tier is +0.1% — the aggregate is falling while the entry tier rises. Over the same year the under-$500k share of sales moved from 35.8% to 35.7% (-0.1pp) and the $1M+ share from 5.2% to 6.1% (+0.9pp).

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

3 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$200k	$204	2,869	—	COUNTY · Maricopa, AZ
$250k–$500k	$445k	$272	198	35.5%	ZIP
$500k–$750k	$584k	$275	248	44.5%	ZIP
$750k–$1M	$812k	$268	76	13.6%	ZIP
$1M–$1.5M	$1.18M	$305	23	4.1%	ZIP
$1.5M–$2M	$1.69M	$500	1,202	—	COUNTY · Maricopa, AZ
$2M+	$3.10M	$686	1,907	—	COUNTY · Maricopa, AZ
All sales (the headline median)	$550k	$275	557	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.

$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 85295.

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 85295→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