ZIP 85305 vs ZIP 85381

85305 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 4 of the 38 nearby ZIPs shown.

11 school locations in 85305: 3 middle, 7 high, 1 other.

In alphabetical order: Arizona Insight Academy, Copper Canyon High School, Desert Mirage Elementary School, Edison School of Innovation, and more on the ZIP page. Locations only — no ratings are shown here.

85381 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 7 of the 39 nearby ZIPs shown.

8 school locations in 85381: 4 middle, 3 high, 1 other.

In alphabetical order: Centennial High School, Oakwood Elementary School, Oasis Elementary School, Paseo Verde Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 85305 was worth $156,997.

Values peaked at $499,757 in July 2022. The latest reading is −9.4% from that peak.

As of August 2026: $453,016, −1.2% over twelve months.

Start with the typical home: $453,016. Put 20% down and borrow $362,413 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,509 a month in principal and interest.

The median household here earns $99,565 a year, $8,297 a month. So the payment takes 30.2% 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 $940.

In December 2020, with rates at 2.68%, it was $1,098.

By August 2026, at 6.67%, it was $2,331 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +189% 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 $309,850. So the real change is +46%, not +189%.

85305: +189% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85305 ran behind it by 18 points.

Against 398 Arizona ZIP codes, 85305 sits at the 64th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 38th for rental yield (rent vs price).

Owning the typical home costs about $2,962 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,607 a month.

Price divided by a year's rent: 23.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 85381 was worth $150,400.

Values peaked at $500,911 in July 2022. The latest reading is −10.3% from that peak.

As of August 2026: $449,072, −0.5% over twelve months.

Start with the typical home: $449,072. Put 20% down and borrow $359,258 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,487 a month in principal and interest.

The median household here earns $94,442 a year, $7,870 a month. So the payment takes 31.6% 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 10.6% 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 $901.

In December 2020, with rates at 2.68%, it was $1,115.

By August 2026, at 6.67%, it was $2,310 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +199% 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 $296,830. So the real change is +51%, not +199%.

85381: +199% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85381 ran behind it by 8 points.

Against 398 Arizona ZIP codes, 85381 sits at the 61st percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 20th for rental yield (rent vs price).

Owning the typical home costs about $2,936 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,490 a month.

Price divided by a year's rent: 25.1. 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 20 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 76.

Going out — closed sales: about 16 a month. The drain is drawn 55% narrower: the share of homes for sale that sell each month is 45% of its 2015–2019 level.

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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 16 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 94% 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).

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 24 a month (Redfin, 3-month rolling data through August 2026). That is 54% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 27 a month. That is 65% of the 2015–2019 level for the same months. The drain is drawn 22% narrower: the share of homes for sale that sell each month is 78% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.6 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 69% 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: 76 in June 2026.

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

Of 2,873 homes with a recorded purchase date, 8% have had the same owner for 20 years or more, and 45% changed hands in the last five.

24% are owned from a different mailing address, 8% 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: 70 in June 2026.

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

Of 3,418 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.

23% are owned from a different mailing address, 6% from out of state.