ZIP 85266 vs ZIP 85377

85266 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 4 of the 40 nearby ZIPs shown.

5 school locations in 85266: 3 middle, 2 high.

In alphabetical order: Black Mountain Elementary School, Cactus Shadows High School, Candeo North Scottsdale, Cave Creek Academy of Excellence, and more on the ZIP page. Locations only — no ratings are shown here.

85377 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 5 of the 39 nearby ZIPs shown.

In January 2000 the typical home in 85266 was worth $391,813.

Values peaked at $1,276,724 in March 2026. The latest reading is −0.1% from that peak.

As of August 2026: $1,275,077, +2.5% over twelve months.

Start with the typical home: $1,275,077. Put 20% down and borrow $1,020,062 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,063 a month in principal and interest.

The median household here earns $157,137 a year, $13,095 a month. So the payment takes 53.9% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 16.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $2,346.

In December 2020, with rates at 2.68%, it was $2,625.

By August 2026, at 6.67%, it was $6,560 — +150% since December 2020, while the home's value moved +57%.

Reported values rose +225% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $773,283. So the real change is +65%, not +225%.

85266: +225% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85266 ran ahead of it by 19 points.

Against 398 Arizona ZIP codes, 85266 sits at the 10th percentile for affordability (price vs local income).

88th for appreciation (recent value growth); 20th for rental yield (rent vs price).

Owning the typical home costs about $8,338 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $5,496 a month.

Price divided by a year's rent: 19.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 85377 was worth $335,362.

Values peaked at $1,217,422 in April 2026. The latest reading is −0.6% from that peak.

As of August 2026: $1,209,647, +2.3% over twelve months.

Start with the typical home: $1,209,647. Put 20% down and borrow $967,718 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,700 a month in principal and interest.

The median household here earns $143,315 a year, $11,943 a month. So the payment takes 56.1% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 15.6% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $2,008.

In December 2020, with rates at 2.68%, it was $2,577.

By August 2026, at 6.67%, it was $6,223 — +142% since December 2020, while the home's value moved +52%.

Reported values rose +261% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $661,871. So the real change is +83%, not +261%.

85377: +261% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85377 ran ahead of it by 54 points.

Against 398 Arizona ZIP codes, 85377 sits at the 8th percentile for affordability (price vs local income).

86th for appreciation (recent value growth); 1st for rental yield (rent vs price).

Owning the typical home costs about $7,910 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,467 a month.

Price divided by a year's rent: 68.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 29 a month (Redfin, 3-month rolling data through August 2026). That is 93% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 105. That is 54% of the 2015–2019 level for the same months.

Going out — closed sales: about 22 a month. That is 60% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.7 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 33 — so sales ran at 67% of it, and below it in 19 of the last 24 months.

Across Maricopa County, builders pulled permits for 31,651 new homes in 2025.

Of those, 54% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 5 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 167% of it, and below it in 8 of the last 24 months.

Across Maricopa County, builders pulled permits for 31,651 new homes in 2025.

Of those, 54% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Maricopa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 25,749 moved in. Among the ten receiving the most, 25,843 moved out.

Net across those counties: −94 households. Beside it, homes for sale in this ZIP: 105 in June 2026.

Most arrivals came from Pinal, AZ (6,549 households); most departures went to Pinal, AZ (10,805).

Of 2,786 homes with a recorded purchase date, 11% have had the same owner for 20 years or more, and 37% changed hands in the last five.

41% are owned from a different mailing address, 20% from out of state.

This ZIP sits in Maricopa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 25,749 moved in. Among the ten receiving the most, 25,843 moved out.

Net across those counties: −94 households. Beside it, homes for sale in this ZIP: 13 in June 2026.

Most arrivals came from Pinal, AZ (6,549 households); most departures went to Pinal, AZ (10,805).

Of 777 homes with a recorded purchase date, 8% have had the same owner for 20 years or more, and 40% changed hands in the last five.

80% are owned from a different mailing address, 24% from out of state.