Surprise, AZ Housing Market
The Surprise, AZ housing market has 1,463 homes for sale as of November 3, 2026, with a median asking price of $449,000. 98 homes were listed this week and 504 have been on the market for more than 90 days.
Surprise housing market snapshot
All 1,463 homes for sale today.
Market pace The typical Surprise home has been listed 60 days, against 61 across the US. A quarter quicker than the US is fast, a quarter slower is slow.
Balanced
Homes here sell at about the US pace.
- Homes for sale
- 1,463
- Median price
- $449,000
- Median days on market
- 60
The typical home for sale
- 3 bed
- 3 bath
- 2,078 sqft
- Built around 2013
- $245 per sqft
Hottest neighborhoods in Surprise right now
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Collections of Surprise homes
Themed sets of homes for one kind of buyer at a time: a budget, a neighborhood or a way of living.
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55+ Active Adult 2+ Bedroom Homes for Sale in Surprise, AZ Under $400K
Surprise sits in the northwest Valley, and the western part of town is home to Sun City Grand, a large age-restricted community with golf courses, recreation centers and wide, well-kept streets. Bell Road runs through the area's main commercial corridor, so grocery stores, medical offices and restaurants are only a few minutes away by car. To the west, the White Tank Mountains rise above the desert floor, and the White Tank Mountain Regional Park trailheads offer hiking and birding within a short drive. Loop 303 provides quick access north toward Peoria and south toward the Interstate 10 corridor, and downtown Phoenix is roughly 40 minutes away when traffic cooperates. Surprise Center, the town's main shopping and dining hub, covers daily errands without the trip into the city core. Buyers searching for a single-level home in Surprise trade the bustle of Phoenix for quiet streets, mountain views and a manageable commute to the metro job market.
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3+ Bedroom Homes with Private Pools for Sale in Surprise, AZ Under $450K
Surprise sits at the northwest edge of the Phoenix metro, and pool homes here cluster in planned communities like Surprise Farms on the western side of town. The streets run in neat grids off Bell Road, with the White Tank Mountains rising to the west and the White Tank Mountain Regional Park trails a short drive away. Older neighborhoods near the Bell Road corridor give the city its established feel, with shopping and dining along the main arterials. Loop 303 runs north and south through town, giving residents a direct route to West Valley job centers and the Phoenix core. Surprise Stadium on Bell Road hosts Kansas City Royals and Texas Rangers spring training each March, bringing the city's baseball calendar close to home. Dysart Unified School District serves much of the area, and buyers should confirm the attendance boundary for any specific address.
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4+ Bedroom New Construction Homes for Sale in Surprise, AZ Under $525K
Surprise sits on the northwest edge of the Phoenix metro, where master-planned communities such as Asante, Mesquite Mountain Ranch, Aria Ranch and Windstone Ranch spread toward the White Tank Mountains. Many streets here are wide and quiet, with sidewalks, community pools and trailheads within reach, and many lots face open desert with views of nearby mountain ranges. Grand Avenue and Loop 303 carry most traffic between these neighborhoods and the shops and restaurants along the commercial corridors. Surprise Recreation Campus hosts spring training games for the Texas Rangers and Kansas City Royals, and the city's park system gives families ball fields, splash pads and walking paths close to home. Loop 303 connects the area to Interstate 10 and Interstate 17, the routes most commuters take to Phoenix employment centers and the Peoria and Glendale job corridors.
New listings and overlooked homes in Surprise this week
Newest listings
Listed Nov 3 $399,900
18409 North 116th Drive, Surprise, AZ 85378
Listed Nov 2 $435,000
16949 West Oasis Springs Way, Surprise, AZ 85387
Listed Nov 2 $381,000
25626 North 144th Lane, Surprise, AZ 85387
Listed Nov 2 $389,999
13402 West Fargo Drive, Surprise, AZ 85374
Listed Nov 2 $355,000
17585 North Coyote Lakes Parkway, Surprise, AZ 85378
Listed Nov 2 $219,900
17200 West Bell Road Unit 1191, Surprise, AZ 85374
Longest on the market, most room to negotiate
908 days on market $190,000
17200 West Bell Road Unit 624, Surprise, AZ 85374
841 days on market $559,995
17225 West Calle Lejos, Surprise, AZ 85387
729 days on market $539,900
26966 North 168th Lane, Surprise, AZ 85387
601 days on market $544,995
24134 North 172nd Avenue, Surprise, AZ 85387
600 days on market $559,995
24116 North 172nd Avenue, Surprise, AZ 85387
511 days on market $439,000
16287 West Willow Creek Lane, Surprise, AZ 85374
Financing
Can you afford a home in Surprise?
The typical Surprise home costs about $2,754 a month, and you need around $118,000 a year to get the loan.
On the $449,000 median home at this week's 7.24% rate with 10% down. Before taxes, insurance and HOA dues. We take the $449,000 median home, subtract the down payment, and spread the rest over 30 years at this week's average rate from Freddie Mac. Lenders usually want that payment under 28% of what you earn before tax, which gives the income figure.
Homes for sale by loan type
- Homes you can buy with a regular mortgage96%1,398 homes
Homes priced under the Maricopa County loan limit of $832,750
- Homes with a loan you can take over322.2% of homes
The agent advertises an assumable loan at the seller's rate
Assumable mortgage homes for sale in Surprise, AZ
32 homes in Surprise come with a loan you can take over. The lowest advertised rate is 1.75%.
With an assumable loan the buyer takes over the seller's existing mortgage, at the rate the seller locked in years ago.
What 1.75% saves you
Same $404,100 loan, 30 years, before taxes and insurance.
The three lowest advertised rates right now
Rates come from the listing agent's remarks, not a verified loan record. Confirm the balance, rate and terms with the agent before you make an offer.
Updated November 3, 2026 from the live MLS feed. The numbers on this page are refreshed every two days.
