ZIP 85001 — Phoenix, AZ

Arizona · Permits · Mortgage · Market Data

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Building Permit Guide

Phoenix · AZ

JurisdictionPhoenix

CountySee county records

Typical permit fee$50–$2,500 (typical)

Processing time5–20 business days

Online portalContact jurisdiction

Common permit types

Kitchen remodel · Bathroom · Deck · Electrical · Plumbing · ADU · New construction · Roofing

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Free permit guide · No signup required

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Mortgage & Lending Data

AZ · 2024 FHFA Limits

Conforming loan limit$766,550

FHA loan floor$498,257

Jumbo threshold> $766,550

30-yr fixed rate (est.)~6.8% APR

15-yr fixed rate (est.)~6.1% APR

Typical down payment3.5% FHA · 5–20% conv.

Max DTI (conventional)45–50%

Min credit score (FHA)580 (3.5% down)

Rates and limits are estimates based on 2024 FHFA data and national averages. Actual rates and limits vary by lender, credit profile, and property type. Always verify with a licensed mortgage professional.

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Real Estate Market Snapshot

Phoenix, AZ · Estimated 2024 Data

Median home price (AZ)$415,000

Avg. days on market38 days

1-year price trend+3.2% ↑

Effective property tax rate0.66%/yr (AZ avg.)

Est. annual property tax$2,739 on median home

Market type🧊 Buyer's market

Market data is estimated from state-level 2024 averages. ZIP-level prices vary significantly. For precise comps, consult a local real estate agent or Zillow/Redfin.

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School Ratings

Top public schools near Phoenix, AZ

Phoenix Elementary School

K–5 · Public · ~520 students

Phoenix Middle School

6–8 · Public · ~680 students

Phoenix High School

9–12 · Public · ~1,200 students

School names and ratings are illustrative. For verified school information, visit GreatSchools.org or your state's school finder tool.

🏠 Home Value Estimator

Estimate the value of a home in Phoenix based on size and features

Bedrooms

Bathrooms

Square Footage

Estimates are based on state median prices and basic adjustment factors. Not a formal appraisal.

💰 What Can I Afford?

Estimate your purchase power based on income and debt

Annual Gross Income ($)

Monthly Debt Payments ($)

Down Payment Available ($)

Uses standard 28/36 qualifying ratios. Assumes 6.8% 30-yr rate. Consult a licensed mortgage professional for actual qualification.

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First-Time Buyer Checklist

Step-by-step guide for buying in Arizona

Check your credit score (aim for 620+ conventional, 580+ FHA)

Save for down payment (3.5%–20% of purchase price)

Get pre-approved with 2–3 lenders to compare rates

Find a buyer's agent — their fee is typically paid by seller

Define your criteria: ZIP, beds, baths, budget, commute

Make offers — include inspection and financing contingencies

Order home inspection before removing contingencies

Review title report and purchase contract with your agent

Final walkthrough, sign closing documents, get keys 🔑

See Full Real Estate Data for ZIP 85001