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Mortgages in Mesa, AZ

Metro Phoenix's largest suburb and the third-largest city in Arizona - a family-oriented, value-conscious housing market anchored by master-planned communities like Eastmark, the Phoenix-Mesa Gateway Airport job corridor, and a deep base of 55+ retirement communities.

Ryan Singer
Local mortgage expert · Ryan Singer
Co-Founder · NMLS #1520306 · Mesa & Phoenix-metro markets
Median list price
$478,862
Apr 2026
Days on market
49
median
Year over year
-6.3%
list price

The Mesa market right now

Aggregated across 10 Mesa ZIP codes, as of Apr 2026.

Median list price
$478,862
Median days on market
49 days
Active inventory
1,135
New listings this month
528
% with price drops
54.8%
Median $/sqft (list)
$266

Data: Realtor.com Research. List prices are down 6.3% year-over-year — a softer market favoring buyers willing to negotiate.

What it costs to buy in Mesa

2026 conforming loan limit
$832,750
Maricopa County
Median list vs limit
58%
Median fits conforming
Median property tax paid
$1,549
Annual, owner-occupied (ACS)
Owner-occupancy rate
64.4%
of occupied housing units

Loan limits from FHFA. Property tax and owner-occupancy from U.S. Census ACS 5-year (2023).

Neighborhoods we serve in Mesa

Downtown Mesa

mid

Walkable historic core; arts district, light rail, condos and bungalows

Mesa Arts Center, light rail extension, ongoing revitalization

Eastmark

mid

Master-planned community near Gateway Airport; family-oriented new construction

One of the top-selling master-planned communities in the U.S.

Las Sendas

luxury

Guard-gated golf community on the slopes of the Usery Mountains

Las Sendas Golf Club, mountain views, custom homes

Red Mountain Ranch

luxury

Northeast Mesa master-planned community with golf and mountain views

Mountain Bridge

luxury

Gated community at the base of the Usery Mountains; semi-custom and custom homes

Augusta Ranch

mid

Master-planned community around an executive golf course; family and retiree mix

Dobson Ranch

mid

Established 1970s lake-and-golf community in west Mesa

Dana Park / Superstition Springs

mid

Southeast Mesa retail-anchored neighborhoods near the 60 freeway

Leisure World

entry

Established 55+ active adult community in southeast Mesa

Retiree-focused gated community with golf and amenities

Schools that Mesa buyers ask about

Primary public district: Mesa Public Schools (MPS).

  • Mountain View High School
    high · public · MPS
    Long-established MPS comprehensive high school in northeast Mesa
  • Red Mountain High School
    high · public · MPS
    Northeast Mesa comprehensive high school serving Las Sendas / Red Mountain Ranch
  • Skyline High School
    high · public · MPS
  • Westwood High School
    high · public · MPS
    Historic MPS high school, west Mesa
  • Mesa High School
    high · public · MPS
    Original Mesa high school (founded 1908); historic downtown campus
  • BASIS Mesa
    k-12 · charter
    Part of nationally ranked BASIS Charter Schools network (verify current US News rank before citing specifics)
  • ASU Preparatory Academy Polytechnic
    k-12 · charter
    ASU-affiliated charter on the ASU Polytechnic campus in southeast Mesa

School letter grades from Arizona Department of Education.

Why people move to Mesa

Climate

3,872 sunshine hours per year~300 sunny days86% of possible sunshineAvg July high: 106°F · Jan low: 45°F

Source: NOAA / NWS Phoenix climate normals.

Cactus League impact (2025)

$764.0M total economic impact1,695,480 fans6,182 jobs supportedStadiums in Mesa: Sloan Park, HoHoKam Stadium

Mesa hosts two Cactus League parks - Sloan Park (Chicago Cubs, league attendance leader) and HoHoKam Stadium (Oakland A's during their Sacramento transition) - making it one of the most spring-training-impacted cities in metro Phoenix for Feb-Mar lodging, short-term rental, and dining demand.

Source: ASU W.P. Carey Cactus League Economic Impact Study.

The Phoenix-area mortgage market by the numbers

HMDA 2023 county-level data for Maricopa County.

Mortgages originated
148,325
in 2023
Total dollar volume
$49.8B
Conventional share
74.5%
FHA share
17.0%
VA share
8.2%
Denial rate
25.7%
denied vs originated

Source: Consumer Financial Protection Bureau HMDA Data Browser. Maricopa County aggregate; Mesa-specific tract data available on request.

Latest from around Mesa

Headlines aggregated from local news feeds, refreshed May 28.

Working with a local lender matters in Mesa

We close mortgages across the Phoenix area in 14 days on average from our Scottsdale office. We know what underwriters look for on a Mesa property — from HOA disclosures and short-term rental rules to local taxes and conforming-loan-limit thresholds.

Talk to our team about MesaRun a refinance scenario

Also serving the Phoenix metro

Other Phoenix-metro cities we serve from our Scottsdale office:

  • Tempe
  • Chandler
  • Gilbert
  • Apache Junction
  • Scottsdale

About this page

Market and demographic data on this page is sourced from federal datasets and public research. Numbers refresh on the cadence shown.

  • Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data — refreshed annual · source
  • U.S. Census Bureau, American Community Survey (5-year) — refreshed annual · source
  • NOAA / National Weather Service climate normals — refreshed static · source
  • Local news (Scottsdale Progress, KTAR, 12 News, ABC15, Rose Law Group Reporter) — refreshed weekly
  • Federal Housing Finance Agency Conforming Loan Limits — refreshed annual · source
  • Realtor.com Research — refreshed monthly · source
  • ASU W.P. Carey School of Business, Cactus League Economic Impact Study — refreshed annual · source

Snapshot generated May 28, 2026.