ZIP Code 85388 — Surprise, AZ Home Prices (2026)
The typical home in ZIP 85388 (Surprise, Arizona) is worth about $447,000 at roughly $239 per square foot — 6% more expensive than the Surprise median and 52% more expensive than the typical U.S. home.
How 85388 compares
ZIP 85388 is one of the pricier ZIP codes in Surprise: its typical home value of $447,000 ranks #2 of the 5 Surprise ZIP codes we track (the citywide range runs from $333,000 in 85378 to $453,000 in 85387). Per square foot it costs about $239, against $232 for Surprise as a whole, $249 for Arizona, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 85388 | $447,000 | $239 |
| Surprise, AZ | $423,000 | $232 |
| Arizona | $393,000 | $249 |
| United States | $294,000 | $195 |
Home value by size in 85388
Using this ZIP’s rate of about $239 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 | $239,000 |
| 1,500 sq ft | $358,500 |
| 2,000 sq ft | $478,000 |
| 2,500 sq ft | $597,500 |
| 3,000 sq ft | $717,000 |
Salary needed to buy a home in ZIP 85388
To buy the typical $447,000 home in ZIP 85388 with 20% down, you need a household income of roughly $122,000 a year (about $2,840 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $144,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,400 | $3,530/mo | $151,000/yr |
| 10% (+PMI) | $44,700 | $3,370/mo | $144,000/yr |
| 20% | $89,400 | $2,840/mo | $122,000/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 85388
At about $239 per square foot, here is roughly how much home different budgets get you in ZIP 85388:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1670 sq ft | around the typical home here |
| $500k | 2090 sq ft | around the typical home here |
| $600k | 2510 sq ft | above the median — larger homes or the pricier ZIPs |
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 85388 home.
Estimate a specific home in 85388
The estimator below is pre-set to ZIP 85388 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Surprise ZIP codes by home value
Where 85388 sits among Surprise’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 85387 | $453,000 | $232 |
| 2 | 85388 (this page) | $447,000 | $239 |
| 3 | 85379 | $423,000 | $216 |
| 4 | 85374 | $385,000 | $239 |
| 5 | 85378 | $333,000 | $229 |
ZIP 85388 home prices: frequently asked
What is the average home price in ZIP code 85388? +
What is the price per square foot in 85388? +
What salary do you need to buy a house in ZIP 85388? +
Is 85388 an expensive ZIP code? +
See the full Surprise 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.