ZIP 85286 vs ZIP 85297

85286 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 5 of the 37 nearby ZIPs shown.

7 school locations in 85286: 1 elementary, 5 middle, 1 high.

In alphabetical order: Great Hearts Academies - Archway Lincoln, Great Hearts Academies - Lincoln Prep, Haley Elementary, Legacy Online Academy, and more on the ZIP page. Locations only — no ratings are shown here.

85297 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 6 of the 37 nearby ZIPs shown.

12 school locations in 85297: 7 middle, 5 high.

In alphabetical order: Arizona Connections Academy, Ball Charter Schools (Val Vista), Benjamin Franklin Charter School - Power, Campo Verde High School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 85286 was worth $187,741.

Values peaked at $672,718 in July 2022. The latest reading is −9.7% from that peak.

As of August 2026: $607,310, −0.8% over twelve months.

Start with the typical home: $607,310. Put 20% down and borrow $485,848 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,364 a month in principal and interest.

The median household here earns $118,759 a year, $9,897 a month. So the payment takes 34.0% of income — rated “stretched” (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 10.5% 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 $1,124.

In December 2020, with rates at 2.68%, it was $1,489.

By August 2026, at 6.67%, it was $3,124 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +223% 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 $370,526. So the real change is +64%, not +223%.

85286: +224% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85286 ran ahead of it by 17 points.

Against 398 Arizona ZIP codes, 85286 sits at the 51st percentile for affordability (price vs local income).

44th for appreciation (recent value growth); 31st for rental yield (rent vs price).

Owning the typical home costs about $3,971 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,031 a month.

Price divided by a year's rent: 24.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 85297 was worth $177,676.

Values peaked at $650,970 in July 2022. The latest reading is −10.1% from that peak.

As of August 2026: $585,349, −0.5% over twelve months.

Start with the typical home: $585,349. Put 20% down and borrow $468,279 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,242 a month in principal and interest.

The median household here earns $132,684 a year, $11,057 a month. So the payment takes 29.3% of income — rated “stretched” (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 8.9% 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 $1,064.

In December 2020, with rates at 2.68%, it was $1,388.

By August 2026, at 6.67%, it was $3,011 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +229% 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 $350,662. So the real change is +67%, not +229%.

85297: +229% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85297 ran ahead of it by 23 points.

Against 398 Arizona ZIP codes, 85297 sits at the 73rd percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 38th for rental yield (rent vs price).

Owning the typical home costs about $3,828 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,174 a month.

Price divided by a year's rent: 22.4. 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 43 a month (Redfin, 3-month rolling data through August 2026). That is 52% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 104.

Going out — closed sales: about 43 a month. That is 54% of the 2015–2019 level for the same months. The drain is drawn 14% narrower: the share of homes for sale that sell each month is 86% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 43 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 63% of it, and below it in 24 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).

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 41 a month (Redfin, 3-month rolling data through August 2026). That is 55% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 141.

Going out — closed sales: about 42 a month. That is 53% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 67 — so sales ran at 63% of it, and below it in 24 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: 104 in June 2026.

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

Of 7,190 homes with a recorded purchase date, 14% have had the same owner for 20 years or more, and 25% changed hands in the last five.

36% are owned from a different mailing address, 7% 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: 141 in June 2026.

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

Of 6,113 homes with a recorded purchase date, 10% have had the same owner for 20 years or more, and 26% changed hands in the last five.

27% are owned from a different mailing address, 11% from out of state.