ZIP 85395 vs ZIP 85340

85395 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 1 of the 38 nearby ZIPs shown.

9 school locations in 85395: 1 elementary, 3 middle, 5 high.

In alphabetical order: Belen Soto Elementary School, Great Hearts Academies - Archway Trivium, Great Hearts Academies - Trivium Prep, Mabel Padgett Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

85340 is one of 135 ZIP codes that lie mostly in Maricopa County, AZ.

Shaded by typical home value, it ranks 2 of the 38 nearby ZIPs shown.

11 school locations in 85340: 2 elementary, 8 middle, 1 other.

In alphabetical order: Barbara B. Robey Elementary School, Crown Charter School, Digital Learning Academy, Dreaming Summit Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 85395 was worth $202,490.

Values peaked at $591,901 in July 2022. The latest reading is −8.3% from that peak.

As of August 2026: $542,824, +0.7% over twelve months.

Start with the typical home: $542,824. Put 20% down and borrow $434,259 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,007 a month in principal and interest.

The median household here earns $107,980 a year, $8,998 a month. So the payment takes 33.4% 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 12.5% 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 $1,212.

In December 2020, with rates at 2.68%, it was $1,324.

By August 2026, at 6.67%, it was $2,793 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +168% 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 $399,635. So the real change is +36%, not +168%.

85395: +168% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85395 ran behind it by 39 points.

Against 398 Arizona ZIP codes, 85395 sits at the 54th percentile for affordability (price vs local income).

72nd for appreciation (recent value growth); 23rd for rental yield (rent vs price).

Owning the typical home costs about $3,550 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,690 a month.

Price divided by a year's rent: 26.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 85340 was worth $180,597.

Values peaked at $566,868 in July 2022. The latest reading is −9.0% from that peak.

As of August 2026: $515,872, −0.1% over twelve months.

Start with the typical home: $515,872. Put 20% down and borrow $412,698 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,857 a month in principal and interest.

The median household here earns $117,193 a year, $9,766 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 10.2% 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 $1,081.

In December 2020, with rates at 2.68%, it was $1,255.

By August 2026, at 6.67%, it was $2,654 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +186% 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 $356,427. So the real change is +45%, not +186%.

85340: +186% since January 2000.

Maricopa County: +212% since January 2000.

Arizona: +207% since January 2000 — 85340 ran behind it by 21 points.

Against 398 Arizona ZIP codes, 85340 sits at the 77th percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 60th for rental yield (rent vs price).

Owning the typical home costs about $3,373 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,100 a month.

Price divided by a year's rent: 20.5. 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 56 a month (Redfin, 3-month rolling data through August 2026). That is 80% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 199. That is 96% of the 2015–2019 level for the same months.

Going out — closed sales: about 53 a month. That is 78% of the 2015–2019 level for the same months. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 53 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 59 — so sales ran at 90% of it, and below it in 16 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 76 a month (Redfin, 3-month rolling data through August 2026). That is 115% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 278. That is 154% of the 2015–2019 level for the same months.

Going out — closed sales: about 64 a month. That is 91% of the 2015–2019 level for the same months. The drain is drawn 39% narrower: the share of homes for sale that sell each month is 61% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.4 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 64 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 56 — so sales ran at 114% of it, and below it in 11 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: 199 in June 2026.

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

Of 7,137 homes with a recorded purchase date, 8% have had the same owner for 20 years or more, and 37% changed hands in the last five.

30% are owned from a different mailing address, 13% 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: 278 in June 2026.

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

Of 8,962 homes with a recorded purchase date, 7% have had the same owner for 20 years or more, and 44% changed hands in the last five.

22% are owned from a different mailing address, 10% from out of state.