What is the median home price in Rio Verde, AZ?

As of Apr 2026, the median list price across Rio Verde ZIP codes is $849,725 (source: Realtor.com Research). Homes have been on market a median of 94 days, with year-over-year list prices down 2.3%.

What's the conforming loan limit in Maricopa County?

For 2026, the FHFA conforming (non-jumbo) loan limit in Maricopa County is $832,750 for a one-unit property. Loans above that amount are considered jumbo and follow different qualification standards.

What loan types are most common in the Rio Verde area?

Based on 2023 HMDA data for Maricopa County, the mortgage mix is roughly 74.5% conventional, 17.0% FHA, 8.2% VA, and 0.3% USDA across 148,325 total originations totaling $49.8B.

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Mortgages in Rio Verde, AZ

Rio Verde is a small 55+ active-adult enclave in NE Maricopa County anchored by the private Rio Verde Country Club (two member-only golf courses and ~980 custom homes), distinct from the broader semi-rural Rio Verde Foothills area to its west.

Local mortgage expert · Sean Boggs

Co-Founder · NMLS #1149054 · Rio Verde & Phoenix-metro markets

Median list price

$849,725

Apr 2026

Days on market

median

Year over year

-2.3%

list price

The Rio Verde market right now

Aggregated across 1 Rio Verde ZIP codes, as of Apr 2026.

Median list price

$849,725

Median days on market

94 days

Active inventory

140

New listings this month

% with price drops

35.7%

Median $/sqft (list)

$384

Data: Realtor.com Research. List prices are down 2.3% year-over-year — a softer market favoring buyers willing to negotiate.

What it costs to buy in Rio Verde

2026 conforming loan limit

$832,750

Maricopa County

Median list vs limit

102%

Median exceeds conforming → jumbo territory

Median property tax paid

$4,206

Annual, owner-occupied (ACS)

Owner-occupancy rate

99.1%

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 Rio Verde

Rio Verde Country Club

luxury

Anchor 55+ master-planned community of ~980 custom homes, townhomes, and villas around two private member-only golf courses

27,000 sq ft clubhouse, Quail Run and White Wing golf courses, 18,000 sq ft community center

Quail Run (golf course neighborhood)

luxury

Homes bordering Rio Verde's original 1973 Milt Coggins-designed parkland-style course

walker-friendly course frontage on flat terrain

White Wing (golf course neighborhood)

luxury

Homes lining the par-71 White Wing course opened in 1983 and redesigned in 2008

scenic course views, member-friendly layout

Tonto Verde

luxury

Adjacent gated 55+ community of ~700 homes within the Rio Verde CDP, separate HOA and golf

frequently grouped with Rio Verde Country Club but a distinct master-planned community

Trilogy at Verde River

luxury

Shea Homes 55+ resort community within the Rio Verde CDP footprint

newer-build active adult enclave; verify HOA boundary vs Rio Verde CDP line before citing

Schools that Rio Verde buyers ask about

Primary public district: Cave Creek Unified School District (CCUSD).

Cactus Shadows High School
high · public · CCUSD
Sole CCUSD high school; serves the broader north Scottsdale / Cave Creek / Rio Verde area. School relevance is limited for Rio Verde residents since the CDP is a 55+ community.
Sonoran Trails Middle School
middle · public · CCUSD
CCUSD middle school feeder to Cactus Shadows; verify current enrollment boundary for Rio Verde before citing as the assigned school.
Black Mountain Elementary
elementary · public · CCUSD
CCUSD elementary in the Cave Creek/Carefree area; school-age population in Rio Verde CDP itself is minimal due to 55+ restrictions on most housing.

School letter grades from Arizona Department of Education.

Why people move to Rio Verde

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.

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; Rio Verde-specific tract data available on request.

Working with a local lender matters in Rio Verde

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

Talk to our team about Rio Verde Run a refinance scenario

Also serving the Phoenix metro

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

Scottsdale
Fountain Hills
Cave Creek
Rio Verde Foothills