What's the median home price in Goodyear, Arizona?

As of 2026, the median home price in Goodyear is approximately $478,000, down 6.4% from the previous year. Prices vary by ZIP code, with 85338 typically ranging $400,000-$475,000 and 85395 (PebbleCreek area) ranging $475,000-$550,000.

What credit score do I need to buy a home in Goodyear?

The minimum credit score depends on your loan program. FHA loans accept scores as low as 580, VA loans typically require 580-620, and conventional loans start at 620. Better credit scores lead to better rates.

How much down payment do I need to buy in Goodyear?

FHA requires 3.5% down, VA and USDA require 0% down for eligible buyers, and conventional loans require 3-20%. On a $478,000 Goodyear home, that means down payments from $0 (VA/USDA) to $16,730 (3.5% FHA) to $95,600 (20% conventional).

How long does it take to close on a home in Goodyear?

Bonelli Financial Group closes loans in as few as 14-19 days from contract to keys. Traditional lenders and banks often take 30-45 days.

Can I use a VA loan to buy near Luke Air Force Base?

Yes. Goodyear is a top destination for Luke AFB military families using VA loans. VA loans require zero down payment, no PMI, and offer competitive rates.

Are there special programs for first-time buyers in Goodyear?

Yes, several programs help first-time Goodyear buyers, including FHA loans (3.5% down, flexible credit), the Home in Five Advantage down payment assistance program, USDA loans in eligible rural-designated areas, and the Arizona Home Plus Program. Bonelli Financial can help you determine which programs you qualify for and stack them for maximum benefit.

Is Goodyear a buyer's market or seller's market in 2026?

Goodyear has shifted into a buyer's market in 2026. Homes are taking longer to sell (65+ days on market), prices have declined 6.4% year-over-year, and buyers have more negotiating power.

Does refinancing make sense for Goodyear homeowners right now?

It depends on when you bought and your current rate. If you purchased before Goodyear's recent price correction, you likely have more equity today than your original loan-to-value suggests, which can open the door to removing PMI or accessing cash.

Can I do a cash-out refinance if my Goodyear home's value has dropped?

Often yes. Goodyear's 6.4% year-over-year decline refers to median sale prices, not necessarily your individual home's appreciation since purchase. Most homeowners who bought more than two to three years ago still have substantial equity to work with.

What ZIP codes does Bonelli Financial serve in Goodyear?

Bonelli Financial Group serves all of Goodyear, including ZIP codes 85338 (main Goodyear) and 85395 (west Goodyear/PebbleCreek). We also serve surrounding West Valley cities including Litchfield Park, Avondale, Buckeye, and Surprise.

Goodyear AZ Mortgage Broker | FHA, VA, Conventional

Goodyear is one of Phoenix's fastest-growing West Valley suburbs, with a median home price of approximately $478,000 in 2026. The market has shifted in favor of buyers, with homes taking an average of 65 days to sell — a significant change from recent seller's markets. For first-time buyers, military families relocating to Luke Air Force Base, and Phoenix-area move-up buyers, Goodyear presents genuine buying opportunity.

The two primary Goodyear ZIP codes serve distinct buyer profiles:

85338 (Main Goodyear):

Median prices typically range from $400,000 to $475,000. This ZIP code is popular with first-time buyers, growing families, and employees at Amazon, Microsoft, and City of Hope. New construction is abundant throughout Estrella Mountain Ranch and surrounding developments, providing options for buyers who want a brand-new home.

85395 (West Goodyear):

Median prices generally range from $475,000 to $550,000. This ZIP code is home to PebbleCreek, one of Arizona's premier active adult communities. It attracts move-up buyers, retirees, and those wanting larger square footage on well-established lots.

For most Goodyear home buyers, the right loan program comes down to three factors: down payment available, credit score, and whether military benefits apply. Local mortgage brokers who understand Goodyear specifically can match you to the loan that saves you the most money over time.

FHA loans are the most popular loan program for first-time buyers in Goodyear. Key benefits:

- Down payment as low as 3.5%

- Credit scores from 580 accepted

- Flexible debt-to-income ratios

- Gift funds allowed for down payment

- Assumable by future buyers

FHA loan limits in Maricopa County for 2026 are $524,225 for single-family homes — well above Goodyear's median price, meaning FHA works for the majority of Goodyear purchases.

Typical Goodyear FHA buyer: First-time buyer purchasing a $400,000 home with $14,000 down (3.5%).

Learn more about FHA loan requirements and get pre-approved in 24 hours.

Conventional loans are the second most popular option in Goodyear, especially for buyers with stronger credit and larger down payments. Benefits include:

- Down payments from 3% to 20%

- Credit scores from 620 accepted (740+ gets best rates)

- PMI drops off automatically at 78% loan-to-value

- No upfront funding fees (unlike FHA and VA)

- Higher loan amounts available

Conventional loans typically deliver lower total costs than FHA when credit is 740+ and down payment is 5% or more.

Typical Goodyear conventional buyer: Move-up buyer purchasing $525,000 PebbleCreek home with $105,000 down (20%).

Ask about conventional loan options at Bonelli Financial Group.

Goodyear's proximity to Luke Air Force Base makes it a top destination for active duty military and veteran homebuyers. VA loans offer unmatched benefits:

- Zero down payment required

- No private mortgage insurance (PMI)

- Flexible credit requirements

- Can be reused multiple times

Whether you're stationed at Luke AFB, transitioning to civilian life, or a veteran already in Goodyear, VA loans typically deliver the lowest total cost over time.

Typical Goodyear VA buyer: Active duty E-5 purchasing $450,000 home with $0 down.

Bonelli Financial Group specializes in VA purchase loans, VA cash-out refinance, and VA IRRRL streamline refinance.

Portions of Goodyear qualify for USDA Rural Development loans, particularly outlying areas near Estrella Mountain and the western edge of the city. USDA benefits:

- Zero down payment required

- No PMI (has upfront guarantee fee)

- Income limits apply (varies by family size)

- Property must be in eligible area

- Excellent for first-time buyers with limited savings

USDA eligibility maps update periodically. Bonelli Financial can quickly verify if your target Goodyear address qualifies for USDA financing.

Typical Goodyear USDA buyer: First-time buyer purchasing $385,000 home with $0 down in eligible area.

Goodyear has become one of the most popular destinations for first-time home buyers in the greater Phoenix area, and for good reason. Here's what makes Goodyear attractive to buyers just entering the market:

Major Employers Within 15 Minutes:

Amazon fulfillment centers, Microsoft data campus, Sub-Zero, City of Hope Phoenix, and Luke Air Force Base all provide stable employment for Goodyear residents. Job security means mortgage approval security.

Newer Construction:

Unlike central Phoenix or older parts of Mesa, most Goodyear homes were built after 2000. That means updated electrical, plumbing, HVAC, and roofs — reducing the risk of expensive surprise repairs after closing.

Strong School Ratings:

The Litchfield Elementary School District (which serves much of Goodyear) receives A-ratings from the Arizona Department of Education. For families with children, school quality directly impacts long-term home value.

More Affordable Than Scottsdale or Chandler:

Goodyear's median price of $478,000 is significantly lower than Scottsdale ($800K+) or North Phoenix ($600K+), while still offering desirable amenities and community.

Growing Amenity Base:

Estrella Falls shopping center, multiple golf courses (Palm Valley, Estrella Mountain Ranch), and easy access to White Tank Mountain Regional Park make Goodyear attractive for lifestyle, not just affordability.

Distance to Luke AFB:

Goodyear is a 10-15 minute drive to Luke Air Force Base, making it the preferred residence for many active duty families who want to own instead of rent BAH.

For first-time buyers overwhelmed by the process, Bonelli Financial Group takes the time to explain every step. We'll walk you through pre-approval, help you understand what you can afford, and be available when Realtor calls about a specific property.

Step 1: Free Pre-Qualification (Same Day)

Contact Bonelli Financial for a free, no-obligation pre-qualification. We'll review your credit, income, and goals to determine what loan amount and program fit your situation.

Step 2: Formal Pre-Approval (24-48 Hours)

Once you're ready, we'll issue a formal pre-approval letter. This letter shows Goodyear Realtors that you're a serious buyer and can compete on offers.

Step 3: House Shopping with Confidence

Work with your Realtor to find the right Goodyear home. Your pre-approval tells you your budget, so you avoid emotional attachment to homes outside your range.

Step 4: Make an Offer with Bonelli-Backed Financing

When you find the right home, your offer includes Bonelli Financial as your lender. Sellers know Bonelli closes on time.

Step 5: Loan Application and Underwriting (14-19 Days)

After acceptance, you'll complete a full loan application. Bonelli's team shepherds your file through underwriting, appraisal, and title work.

Step 6: Close and Get Your Keys

Bonelli closings typically take 14-19 days from contract to keys. You'll sign final documents and get your keys to your new Goodyear home.

Bonelli Financial Group is not a big-bank lender or an online-only mortgage company. We're a local mortgage brokerage headquartered in downtown Mesa, licensed in Arizona and 8 other states. Here's why Goodyear buyers work with us:

Local Expertise:

Our team lives and works in Arizona. We know the Goodyear market, the top Realtors, and the property types that drive value.

Multiple Wholesale Lenders:

As mortgage brokers (not a single-lender bank), we shop your loan across multiple wholesale lenders. This often produces better rates and terms than any single bank can offer.

Direct Access to Loan Officers:

When you call Bonelli, you talk to a licensed mortgage broker directly. No call centers, no waiting on hold, no chatbots.

14-19 Day Closings:

We know Realtors need certainty. Our closings are consistently on time, which makes your offers more competitive.

Real People, Real Reviews:

Bonelli has been cited in Bankrate and Clever Real Estate for our expertise. Our reviews reflect actual client experiences — not automated 5-star reviews.

Whether you're a first-time buyer nervous about the process, a military family relocating to Luke AFB, or a move-up buyer looking at PebbleCreek, Bonelli Financial Group is built to serve you.

As part of our Arizona home loan programs, Bonelli Financial Group helps Goodyear homeowners refinance without the paperwork headaches big banks are known for. Goodyear's price pullback in 2026 doesn't just create opportunity for buyers — it also means homeowners who purchased a few years ago, before the run-up, are often sitting on far more equity than they realize. Whether the goal is a lower rate, cash for a renovation or debt payoff, or dropping PMI for good, we'll walk you through the numbers.

Rate-and-Term Refinance in Goodyear

Lower your monthly payment by securing a better rate
Shorten your loan term to build equity faster
Remove PMI once you've crossed 20% equity
Switch from an adjustable-rate to a fixed-rate loan

Typical Goodyear rate-and-term homeowner: refinancing a $420,000 balance to drop their rate and eliminate PMI now that home value gains have pushed them past 20% equity.

Learn more about rate and term refinance.

Cash-Out Refinance in Goodyear

Access home equity for renovations, debt consolidation, or investment property down payments
One loan, one payment, often at a lower rate than a personal loan or credit card
Works well for PebbleCreek and Estrella Mountain Ranch homeowners with significant built-up equity

Typical Goodyear cash-out homeowner: pulling $60,000 in equity from a PebbleCreek home to pay off high-interest debt or fund a pool.

Learn more about cash-out refinance.

VA IRRRL Streamline Refinance for Goodyear Veterans

With Luke Air Force Base minutes away, a large share of Goodyear's VA loan holders qualify for a streamline refinance. No appraisal required, minimal paperwork, and a faster close than a standard refinance.

Typical Goodyear VA IRRRL homeowner: a veteran with an existing VA loan lowering their rate with no out-of-pocket appraisal cost and no income re-verification.

Learn more about VA IRRRL streamline refinance.

HELOC and Home Equity Loans in Goodyear

For homeowners who want to tap equity without touching their existing low mortgage rate, a HELOC or HELOAN keeps the first mortgage untouched while unlocking cash.

Learn more about HELOC and HELOAN options.

Get Your Free Refinance Rate Quote →

What's the median home price in Goodyear, Arizona?
As of 2026, the median home price in Goodyear is approximately $478,000, down 6.4% from the previous year. Prices vary significantly by ZIP code and neighborhood — 85338 median prices tend to be lower ($400,000-$475,000), while 85395 (PebbleCreek area) tends higher ($475,000-$550,000). Bonelli Financial can help you determine which loan program is best for you.
What credit score do I need to buy a home in Goodyear?
The minimum credit score depends on your loan program. FHA loans accept scores as low as 580, VA loans typically require 580-620, and conventional loans start at 620. However, better credit scores lead to better rates. A 740+ credit score typically gets the best rates on conventional loans. Bonelli Financial can walk you through your specific credit situation.
How much down payment do I need to buy in Goodyear?
It depends on your loan program:
- FHA: 3.5% down minimum
- VA: 0% down (for eligible veterans/military)
- USDA: 0% down (in eligible areas)
- Conventional: 3-20% down

On a $478,000 Goodyear home, that means down payments range from $0 (VA/USDA) to $16,730 (3.5% FHA) to $95,600 (20% conventional).
How long does it take to close on a home in Goodyear?
Bonelli Financial Group closes loans in as few as 14-19 days from contract to keys. Traditional lenders and banks often take 30-45 days. Faster closings make your offers more competitive in the Goodyear market.
Can I use a VA loan to buy near Luke Air Force Base?
Absolutely. Goodyear is a top destination for Luke AFB military families using VA loans. VA loans require zero down payment, no PMI, and offer competitive rates. Bonelli Financial specializes in VA purchases, VA IRRRL streamline refinances, and VA cash-out refinances for military families.
Are there special programs for first-time buyers in Goodyear?
Yes, several programs help first-time Goodyear buyers:
- FHA loans(3.5% down, flexible credit)
- Home in Five Advantage (Maricopa County down payment assistance)
- USDA loans (in eligible rural-designated areas)
- Arizona Home Plus Program (down payment assistance)

Bonelli Financial can help you determine which programs you qualify for and stack them for maximum benefit.
Is Goodyear a buyer's market or seller's market in 2026?
Goodyear has shifted into a buyer's market in 2026. Homes are taking longer to sell (65+ days on market), prices have declined 6.4% year-over-year, and buyers have more negotiating power. This is favorable timing for first-time buyers and move-up buyers.
What ZIP codes does Bonelli Financial serve in Goodyear?
Bonelli Financial Group serves all of Goodyear, including ZIP codes 85338 (main Goodyear) and 85395 (west Goodyear/PebbleCreek). We also serve surrounding West Valley cities including Litchfield Park, Avondale, Buckeye, and Surprise.
Does refinancing make sense for Goodyear homeowners right now?
It depends on when you bought and your current rate. If you purchased before Goodyear's recent price correction, you likely have more equity today than your original loan-to-value suggests, which can open the door to removing PMI or accessing cash. Bonelli Financial can run your specific numbers in minutes.
Can I do a cash-out refinance if my Goodyear home's value has dropped?
Often yes. Goodyear's 6.4% year-over-year decline refers to median sale prices, not necessarily your individual home's appreciation since purchase. Most Goodyear homeowners who bought more than two to three years ago still have substantial equity to work with, even after the recent correction.

About the author

Travis Erickson

Licensed Mortgage Broker · NMLS# 1193479 · Bonelli Financial Group NMLS# 1211572

Travis Erickson has been in the mortgage industry for over 10 years, working every part of it. He started as a loan officer at Desert Financial Credit Union, one of the largest credit unions in Arizona, moved into production management, and eventually became Vice President at AmeriSave Mortgage where he built a top producing team and helped run a branch location funding well over a billion dollars annually.

He joined Bonelli Financial Group in 2024 to build a faster, more transparent mortgage experience for borrowers that traditional lenders often overlook. His day-to-day work spans the full mortgage spectrum — conventional, FHA, VA, jumbo, DSCR, bank statement, and non-QM programs — with a particular depth in investor financing and complex income situations. He works with borrowers in Arizona and eight other states.

His expertise has been recognized by publications including Bankrate, whose Non-Conforming Loans Guide is one of the most widely read mortgage references in the country, and Clever Real Estate. He’s based in Mesa, knows the East Valley and Scottsdale markets from years of working in them, and has closed deals across Arizona, Texas, Florida, and beyond that conventional lenders couldn’t structure.

His view on lending is straightforward: the best mortgage is the one that actually closes.

We Have a Team of Licensed and Experienced Arizona Mortgage Loan Officers. Whether you're looking to buy a home in Arizona or refinance your existing Arizona mortgage loan , borrowers often dread the mortgage loan and refinance process. That is because the traditional way to shop for a mortgage loan is antiquated and broken. Bonelli Financial Group has a streamlined the mortgage loan process to be easy, fast, and exciting so you can focus on enjoying your new home and this new chapter in life without the stress of a long and complicated mortgage loan process.

Asset-based home loan application and approval process

Bank statement loans for self-employed borrowers

Conventional mortgage loan options and rates

Get in touch

Goodyear AZ Mortgage Broker: FHA, VA, and Conventional Home Loans

The Goodyear AZ Home Buying Market in 2026

85338 (Main Goodyear):

85395 (West Goodyear):

Home Loan Programs Available in Goodyear, Arizona

USDA Loans (Rural Areas)

Why First-Time Home Buyers Choose Goodyear, AZ

Major Employers Within 15 Minutes:

Newer Construction:

Strong School Ratings:

More Affordable Than Scottsdale or Chandler:

Growing Amenity Base:

Distance to Luke AFB:

How to Get a Mortgage in Goodyear: Step by Step

Step 1: Free Pre-Qualification (Same Day)

Step 2: Formal Pre-Approval (24-48 Hours)

Step 3: House Shopping with Confidence

Step 4: Make an Offer with Bonelli-Backed Financing

Step 5: Loan Application and Underwriting (14-19 Days)

Step 6: Close and Get Your Keys

Why Goodyear Buyers Choose Bonelli Financial Group

Local Expertise:

Multiple Wholesale Lenders:

Direct Access to Loan Officers:

14-19 Day Closings:

Real People, Real Reviews:

Refinancing Your Home in Goodyear, AZ

Rate-and-Term Refinance in Goodyear

Cash-Out Refinance in Goodyear

VA IRRRL Streamline Refinance for Goodyear Veterans

HELOC and Home Equity Loans in Goodyear

Frequently Asked Questions About Goodyear AZ Mortgages

What's the median home price in Goodyear, Arizona?

What credit score do I need to buy a home in Goodyear?

How much down payment do I need to buy in Goodyear?

How long does it take to close on a home in Goodyear?

Can I use a VA loan to buy near Luke Air Force Base?

Are there special programs for first-time buyers in Goodyear?

Is Goodyear a buyer's market or seller's market in 2026?

What ZIP codes does Bonelli Financial serve in Goodyear?

Does refinancing make sense for Goodyear homeowners right now?

Can I do a cash-out refinance if my Goodyear home's value has dropped?

Ready to Get Started? Get Your Free Goodyear Mortgage Rate Quote

Travis Erickson

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