Owner financing in
Surprise
In the twelve months from September 2025 to August 2026, buyers in Surprise recorded 32 home purchases paid for with a new loan from the seller, at a median price of $409,000.
Maricopa County affidavits of value, residential sales dated September 1, 2025 through August 31, 2026, as loaded on October 12, 2026, counted once per deed.
What the record shows in Surprise
- Under $200,0002
- $200,000 to $299,9992
- $300,000 to $399,99910
- $400,000 to $499,9999
- $500,000 to $749,9995
- $750,000 and up4
Surprise, September 2025 to August 2026, counted once per deed by the city on the county's record, companies and trusts included.
Maricopa County affidavits of value, residential sales dated September 1, 2025 through August 31, 2026 for the first three tiles and September 1, 2024 through August 31, 2025 for the fourth, as loaded on October 12, 2026. Buyer and seller certify each affidavit, and the county recorder requires one before it records a deed, unless an exemption is noted.
City by city
Surprise ranks number 4 of these Maricopa County cities for seller-financed home purchases, out of 589 countywide.
Each row: seller-financed purchases in the last 12 months, then the 12 months before.
Same source and counting as above, by the city on the county's record. A city has its own page here once it shows at least 20 such purchases in each of the two twelve-month periods. The typical home in Surprise is valued at $416,014 (Zillow Home Value Index), as shown on its market report.
If a payment is missed
Arizona law treats a seller-financed sale differently depending on whether the deed is in your name. The two ways, side by side, with the statutes, are on owner financing in Arizona. We sell with the deed in your name at closing.
Who this is for
People in Surprise who can carry a house payment and still heard no from a bank: the self-employed, gig workers, savers with a thin or damaged credit file. The situations, with the bank's rule under each, are on the owner-financed homes page, and the income a bank wants to see here is on income needed to buy a house in Surprise.
Who is behind this
These numbers are published by Arizona Home Report, which is veteran and first responder owned and operated by HERO Real Estate Investors (HERO REI). Our founder, Bryce Henderson, is a real estate investor, veteran and paramedic. We buy homes in Arizona and sell them with owner financing, which is why we read these records so closely.
Questions, answered
How common is owner financing in Surprise?
Maricopa County's affidavits of value show 32 home purchases in Surprise paid for with a new loan from the seller from September 2025 to August 2026, and 26 in the twelve months before that. Another 20 buyers in Surprise took over the seller's existing loan. These are the whole market's sales, not ours.
What do owner-financed homes in Surprise sell for?
The 32 seller-financed purchases in Surprise had a median price of $409,000. Under $200,000: 2; $200,000 to $299,999: 2; $300,000 to $399,999: 10; $400,000 to $499,999: 9; $500,000 to $749,999: 5; $750,000 and up: 4.
Can I buy a home in Surprise with owner financing from you?
Tell us what you are looking for with the form on this page. We contact you and talk it all through. This page counts recorded sales; it is not a list of homes for sale.
Sources: Maricopa County Recorder affidavits of value (A.R.S. 11-1133); Zillow Home Value Index. How we compute every number.