ZIP Code 85140 — San Tan Valley, AZ Home Prices (2026)
The typical home in ZIP 85140 (San Tan Valley, Arizona) is worth about $433,000 at roughly $230 per square foot — about the same as the San Tan Valley median and 47% more expensive than the typical U.S. home.
How 85140 compares
ZIP 85140 is a mid-priced ZIP code for San Tan Valley: its typical home value of $433,000 ranks #2 of the 3 San Tan Valley ZIP codes we track (the citywide range runs from $377,000 in 85143 to $460,000 in 85144). Per square foot it costs about $230, against $230 for San Tan Valley as a whole, $249 for Arizona, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 85140 | $433,000 | $230 |
| San Tan Valley, AZ | $433,000 | $230 |
| Arizona | $393,000 | $249 |
| United States | $294,000 | $195 |
Home value by size in 85140
Using this ZIP’s rate of about $230 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $230,000 |
| 1,500 sq ft | $345,000 |
| 2,000 sq ft | $460,000 |
| 2,500 sq ft | $575,000 |
| 3,000 sq ft | $690,000 |
Salary needed to buy a home in ZIP 85140
To buy the typical $433,000 home in ZIP 85140 with 20% down, you need a household income of roughly $118,000 a year (about $2,750 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $140,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,700 | $3,420/mo | $146,000/yr |
| 10% (+PMI) | $43,300 | $3,270/mo | $140,000/yr |
| 20% | $86,600 | $2,750/mo | $118,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 85140
At about $230 per square foot, here is roughly how much home different budgets get you in ZIP 85140:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 870 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1300 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1740 sq ft | around the typical home here |
| $500k | 2170 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 85140 home.
Estimate a specific home in 85140
The estimator below is pre-set to ZIP 85140 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All San Tan Valley ZIP codes by home value
Where 85140 sits among San Tan Valley’s 3 ZIP codes:
ZIP 85140 home prices: frequently asked
What is the average home price in ZIP code 85140? +
What is the price per square foot in 85140? +
What salary do you need to buy a house in ZIP 85140? +
Is 85140 an expensive ZIP code? +
See the full San Tan Valley home values page, all Arizona cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.