ZIP 85295 vs ZIP 85233

85295 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 17 of the 37 nearby ZIPs shown.

12 school locations in 85295: 8 middle, 4 high.

In alphabetical order: American Leadership Academy Gilbert K-6, Ashland Elementary, Chaparral Elementary School, EVIT - Higley High School, and more on the ZIP page. Locations only — no ratings are shown here.

85233 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 18 of the 37 nearby ZIPs shown.

9 school locations in 85233: 5 middle, 4 high.

In alphabetical order: EDUPRIZE SCHOOL Gilbert, EVIT - Mesquite High School, Gilbert Elementary School, Islands Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 85295 was worth $164,949.

Values peaked at $603,670 in July 2022. The latest reading is −10.8% from that peak.

As of August 2026: $538,689, −1.2% over twelve months.

Start with the typical home: $538,689. Put 20% down and borrow $430,951 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,984 a month in principal and interest.

The median household here earns $116,288 a year, $9,691 a month. So the payment takes 30.8% 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 9.4% 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 $988.

In December 2020, with rates at 2.68%, it was $1,301.

By August 2026, at 6.67%, it was $2,771 — +113% since December 2020, while the home's value moved +34%.

Reported values rose +227% 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 $325,544. So the real change is +65%, not +227%.

85295: +227% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85295 ran ahead of it by 20 points.

Against 398 Arizona ZIP codes, 85295 sits at the 64th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 31st for rental yield (rent vs price).

Owning the typical home costs about $3,523 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,883 a month.

Price divided by a year's rent: 23.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 85233 was worth $159,917.

Values peaked at $568,226 in July 2022. The latest reading is −8.7% from that peak.

As of August 2026: $518,594, −0.6% over twelve months.

Start with the typical home: $518,594. Put 20% down and borrow $414,875 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,873 a month in principal and interest.

The median household here earns $105,154 a year, $8,763 a month. So the payment takes 32.8% 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 10.1% 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 $958.

In December 2020, with rates at 2.68%, it was $1,249.

By August 2026, at 6.67%, it was $2,668 — +114% since December 2020, while the home's value moved +34%.

Reported values rose +224% 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 $315,613. So the real change is +64%, not +224%.

85233: +224% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85233 ran ahead of it by 18 points.

Against 398 Arizona ZIP codes, 85233 sits at the 56th percentile for affordability (price vs local income).

46th for appreciation (recent value growth); 60th for rental yield (rent vs price).

Owning the typical home costs about $3,391 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,207 a month.

Price divided by a year's rent: 19.6. 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 65 a month (Redfin, 3-month rolling data through August 2026). That is 64% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 176. That is 101% of the 2015–2019 level for the same months.

Going out — closed sales: about 47 a month. That is 47% of the 2015–2019 level for the same months. The drain is drawn 50% narrower: the share of homes for sale that sell each month is 50% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 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 18 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 47 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 86 — so sales ran at 55% 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 44 a month (Redfin, 3-month rolling data through August 2026). That is 59% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 102.

Going out — closed sales: about 37 a month. That is 49% of the 2015–2019 level for the same months. The drain is drawn 43% narrower: the share of homes for sale that sell each month is 57% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 69 — so sales ran at 54% 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: 176 in June 2026.

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

Of 8,283 homes with a recorded purchase date, 9% have had the same owner for 20 years or more, and 27% changed hands in the last five.

34% are owned from a different mailing address, 11% 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: 102 in June 2026.

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

Of 5,743 homes with a recorded purchase date, 18% have had the same owner for 20 years or more, and 28% changed hands in the last five.

25% are owned from a different mailing address, 7% from out of state.