Cash Flow Deals

Anthem, AZ Zip Codes: 85086 and 85087, and What They Mean When You Sell

Published by Cash Flow Deals · Last updated 2026-07-22 · Published and reviewed for compliance by Camilo Palacio, a Florida Licensed Realtor

House in the Arizona desert with mountains in the background
Photo: Michael Yantis / Unsplash

Anthem, Arizona uses two zip codes: 85086 covers most of the community, and 85087 serves its northern edge. If you're weighing your options here, Cash Flow Deals is one direct route worth comparing against a traditional listing. Anthem is not an incorporated city. It is a census-designated place in unincorporated Maricopa County, developed by Del Webb starting in 1998, sitting about 30 miles north of downtown Phoenix with 23,190 residents at the 2020 census. Which zip code your home sits in shapes how buyers search for it, which comps get pulled, and how your listing shows up on the portals.

Cash Flow DealsTraditional Listing
TimelineNet price locked in writing before your home goes to market, with closing possible in as little as 10 business days once a buyer is confirmed.Anthem-area listings have been averaging around 130 days on market recently, before the buyer's own financing timeline even starts.
RepairsSold as-is to a real, financed buyer -- only a major structural issue like foundation, moisture, wiring, or drainage gets re-costed at inspection, and you decide how to proceed.FHA, VA, and conventional buyers can require repairs to satisfy inspection or appraisal conditions before their lender will fund.
Fees/CostsCash Flow Deals only gets paid out of whatever spread is left after your locked-in price and closing costs are covered.A traditional 3 percent listing-side commission on a $712,000 Anthem sale runs about $21,360, before the buyer's agent is even paid.

The two Anthem zip codes, and why the line between them matters

Anthem's mail runs through 85086 and 85087. The 85086 zip covers Anthem proper, including the areas around the Outlets at Anthem and Boulder Creek High School, and it also stretches into neighboring Desert Hills and parts of New River. The 85087 zip picks up the community's northern section. Here is the wrinkle most owners miss: Anthem is a census-designated place, not an incorporated city. Del Webb built it as a master-planned community starting in 1998, and it never incorporated, so it sits in unincorporated Maricopa County. That means some Anthem addresses print as Phoenix or New River depending on the database reading them. When a listing portal or a county record mislabels your city field, buyers filtering by zip code can miss your home entirely. Before you list, confirm your exact zip and make sure every listing feed shows it the same way. In a community of about 23,190 people where only a few dozen homes trade in a given stretch, one indexing error is the difference between showing up in a buyer's search and not existing.

What homes in 85086 and 85087 actually sell for

Recent market data for Anthem puts the median sale price around $712,000, up roughly 13 percent over two years. That is a strong number, and there is a real reason buyers pay it: Anthem sits at an average elevation of 1,863 feet in the foothills north of Phoenix, noticeably cooler than the valley floor, and about 36 percent of the community is preserved open space. The catch is speed. Homes in the area have averaged around 130 days on market, and sales volume has been thin, with 54 homes sold in the most recent tracked period, down 16 percent. Four-plus months of carrying a mortgage, HOA dues, utilities, and insurance on a $700K house adds up fast. If you own in 85086 or 85087, the honest read is this: pricing off the right zip's comps matters, because 85086 blends Anthem with Desert Hills and New River properties on larger rural lots, and a lazy comp pull across the whole zip can misprice a Parkside or Country Club home in either direction.

How Cash Flow Deals helps Anthem homeowners sell on their terms

Cash Flow Deals locks in your net price in writing before your Anthem home ever hits the market — the cash amount you're guaranteed at closing, subject only to a re-cost conversation if inspection turns up a real structural issue like foundation, moisture, wiring, or drainage, and even then you decide how to proceed. To get the property in front of real buyers, we work with a licensed Arizona broker partner who lists it on the MLS through a flat-fee listing service — that's simply the mechanism that gets your home onto the same portals buyers searching 85086 and 85087 are using, not a fee you pay us. From there, we market the home above your locked-in number to a real, financed buyer — FHA, conventional, VA, or DSCR. When it sells, the proceeds pay your price, your closing costs, and the buyer's agent commission first, in that order; Cash Flow Deals only gets paid out of whatever spread is left over. For context on why that guarantee matters: a traditional 3 percent listing-side commission on a $712,000 Anthem sale runs about $21,360 before the buyer's agent is even paid — cost and risk you don't carry once your number is locked. And because Anthem listings have been averaging around 130 days on market, we also walk you through faster-exit routes when waiting four months doesn't fit your timeline, whether that's a job relocation, an estate sale, or a payment you need out from under. Tell us the address, we'll confirm the zip code and the comps that actually match your section of Anthem, and you choose the path that nets you the most.

Cash Flow Deals' Offer Process:

1. Cash Flow Deals reviews your Anthem address, confirms whether it sits in 85086 or 85087, and pulls comps from the matching zip before locking in your net price in writing.

2. A licensed Arizona broker partner lists the home on a flat-fee basis and markets it above your locked-in number to a real, financed buyer -- FHA, conventional, VA, or DSCR -- while you skip the roughly 130-day average wait other Anthem listings are seeing right now.

3. At closing, your locked-in price, your closing costs, and the buyer's agent commission are paid first, in that order, with the full process able to close in as little as 10 business days once a buyer is confirmed.

Common questions

Is Anthem, AZ its own city with its own zip code?

No. Anthem is a census-designated place in unincorporated Maricopa County, not an incorporated city. The U.S. Postal Service serves it through two zip codes, 85086 and 85087, and because 85086 also covers Desert Hills and parts of New River, some Anthem addresses display as Phoenix or New River in certain databases. Your deed, your tax record, and your listing can each show the location slightly differently, which is worth checking before you sell.

Does my Anthem zip code affect what my home is worth?

Indirectly, yes. Appraisers and agents pull comps by neighborhood, but buyers and listing portals filter by zip code. The 85086 zip mixes Anthem's master-planned subdivisions with larger rural lots in Desert Hills and New River, so a comp search across the whole zip can pull properties that do not match your home. Making sure your value is based on true Anthem comps, not the whole zip, is one of the simplest ways to avoid mispricing.

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What this means for your options

Every path to selling a house has real tradeoffs. Cash Flow Deals is built for the middle: faster than a traditional listing, more money than a cash investor.

Wait and see

Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.

List with a traditional agent

Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.

Sell to Cash Flow Deals

No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. Usually within one business day.

See your selling options before you decide anything.

Start with your address. Decide after you see the path.

No obligation. See what CFD can do first.