Queen Creek, AZ · Maricopa & Pinal County
Queen Creek home loans: get the county right first
Looking for a mortgage lender in Queen Creek? I'm Andria Townsend, a loan officer next door in San Tan Valley. The key thing about Queen Creek: the town sits mostly in Maricopa County but reaches into Pinal County, and many "Queen Creek" mailing addresses are outside town limits. The county decides which down payment programs you can use, and town limits affect your property tax bill.
Andria Townsend, NMLS #2154631 · NEXA Mortgage, LLC, NMLS #1660690 · San Tan Valley, AZ · Updated October 2026
Key facts at a glance
| Counties | Mostly Maricopa; also Pinal (e.g., Ironwood Crossing, Encanterra) |
|---|---|
| Mailing addresses | ZIPs 85212, 85140, 85143 can say "Queen Creek" but sit outside town limits |
| Town property tax | Reported at $1.46 per $100 of assessed value for 2026-27 (inside town limits) |
| Down payment help | Maricopa side: Home in Five, Home Plus · Pinal side: Arizona Is Home, Home Plus |
| 2026 FHA / conforming limits | $557,750 / $832,750 |
Is my Queen Creek home in Maricopa County or Pinal County?
It could be either. The Town of Queen Creek is mostly in Maricopa County, but it also covers Pinal County areas like Ironwood Crossing and Encanterra. And many homes with a Queen Creek mailing address aren't in the town at all. They might be in San Tan Valley or unincorporated Pinal or Maricopa County. I check the parcel on the assessor's site for every address. Full guide: Is your Queen Creek address really in Queen Creek?
Why does the county matter for my Queen Creek loan?
Down payment help. Home in Five requires a Maricopa County home. Arizona Is Home is offered in Pinal County but not Maricopa. Pick the wrong program for the address and you can lose time in escrow. Home Plus works on both sides. See Arizona down payment assistance.
What does the Queen Creek town property tax mean for my payment?
Homes inside town limits pay a Town of Queen Creek property tax, reported at $1.46 per $100 of assessed value for the 2026-27 budget year. Homes outside don't pay it, but they pay other districts. I build your escrow from the home's real tax bill, not a guess.
What is the Queen Creek water resource fee?
The town moved a water-related cost off the property tax bill and onto water bills. It's not part of your mortgage, but it's part of your monthly budget. Read the Queen Creek water resource fee.
What loans fit Queen Creek buyers?
Queen Creek has a wide price range, from starter homes to larger lots and higher-priced new builds. Conventional and FHA cover most buyers, and jumbo loans come into play above $832,750. VA loans are an option for eligible veterans too.
Subject to eligibility, credit approval, and program guidelines. Programs can change.
Frequently asked questions
Is Queen Creek in Maricopa County or Pinal County?
Both. The Town of Queen Creek is mostly in Maricopa County and also reaches into Pinal County.
Is every Queen Creek, AZ address inside the town?
No. ZIP codes 85212, 85140, and 85143 can show Queen Creek but sit outside town limits. Check the town's map or the county assessor.
Can I use Arizona Is Home in Queen Creek?
Only if the home is in Pinal County. On the Maricopa County side, look at Home in Five and Home Plus instead.
Does Queen Creek have a town property tax?
Yes, for homes inside town limits. It was reported at $1.46 per $100 of assessed value for 2026-27.
Will the Queen Creek water resource fee change my mortgage payment?
No. It's on your water bill, not your mortgage, but it's part of your monthly budget.
Do you help with new construction in Queen Creek?
Yes. I can compare your options with the builder's lender so you can see the full cost.
Related reading from my blog
Arizona loan programs
Areas I serve in Pinal and Maricopa County
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