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Congress 85320 is in Yavapai County, AZ, part of the Phoenix Metro. The typical home value in Congress 85320 is $476,436 (Zillow Home Value Index, August 2026), up 6.9% from a year earlier. Homes that sold went under contract in a median 89 days, and 0% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 85320 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Yavapai County's 24 ZIPs with a Zillow value, the middle one is $434,635, so 85320 sits 10% above the county middle. Lotvox holds county assessor records for 592 properties in 85320.
Headline value data through August 2026. Each source below carries its own date.
Is 85320 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 85320 is a balanced market. Homes went under contract in a median 89 days.
What do homes in 85320 sell for?
The typical home value in 85320 is $476,436 (Zillow Home Value Index, August 2026), up 6.9% in a year. County records put the median at about $377 per square foot (computed Apr 21, 2026).
Who is likely to sell in 85320?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 85320 has not passed that test yet. When it does, the score appears here.
How does 85320 compare to Yavapai County?
85320's typical value of $476,436 compares with a middle value of $434,635 across Yavapai County's 24 ZIPs. Both are Zillow Home Value Index figures for August 2026.
Where does this 85320 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.
43
/100
Mixed
hot · balanced · prices rising year-over-year.
Price trend
75
Affordability
10
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Negotiate Hard
Needs 61.9% correction for affordability
Score Components
Payment Burden (25%)100
Valuation Gap (25%)100
Supply & Demand (20%)20
Days on Market (5%)100
Moderate buyer leverage in 85320. Room to negotiate 5-10% below list. Payment burden: 73.2% of median income. A 52% price correction needed to reach 30% affordability threshold. Median days on market: 132. Market appears 37% overpriced vs. assessed values.
What to Offer
Offer 5-10% below list. You have room to negotiate.
Housing pulse — Housing pulse could not be loaded (429).
Price bands
mix-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 +2.0% YoY in Maricopa, AZ (county), but the under-$500k tier is +0.0% — the aggregate and the entry tier are moving together. Over the same year the under-$500k share of sales moved from 55.5% to 53.5% (-1.9pp) and the $1M+ share from 9.6% to 10.6% (+1.0pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
7 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
$400k
$250
27,502
—
COUNTY · Maricopa, AZ
$500k–$750k
$585k
$272
15,405
—
COUNTY · Maricopa, AZ
$750k–$1M
$835k
$319
4,948
—
COUNTY · Maricopa, AZ
$1M–$1.5M
$1.19M
$397
2,883
—
COUNTY · Maricopa, AZ
$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)
$642k
$324
13
100%
ZIP
ZIP-level history was too thin to draw the tiers; served at county level (Maricopa, AZ), by quarter.
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
$1.5M–$2M
$2M+
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 85320.
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.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 85320→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 Burden
78.8%
severe
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08
Price-to-rent
23.2x
favors renting
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation11
+70.4%
overvalued
Source: Lotvox comps · 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
4.8%
AZ 4.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0845d 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)$462,851
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
