Bernalillo County, NM Average Home Price (2026)
The average home price in Bernalillo County, New Mexico is about $359,000 (the 2026 median across 19 ZIP codes, at ~$232/sq ft) — 13% more expensive than the New Mexico median and 24% more expensive than the typical U.S. home.
How Bernalillo County compares
Bernalillo County is about average for housing nationally: its typical home costs $359,000 against $319,000 for New Mexico and $289,000 for the U.S. Within the county, ZIP-level values run from about $245,000 to $749,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Bernalillo County | $359,000 | $232 |
| New Mexico | $319,000 | $205 |
| United States | $289,000 | $193 |
Cities in Bernalillo County
Cities with their own home-value page, largest first:
Bernalillo County home prices by ZIP code
The 15 most valuable ZIP codes in Bernalillo County (of 19 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 87122 Albuquerque | $749,000 | $281 | +109% |
| 87008 Cedar Crest | $467,000 | $252 | +30% |
| 87059 Tijeras | $448,000 | $243 | +25% |
| 87113 Albuquerque | $426,000 | $237 | +19% |
| 87068 Bosque Farms | $423,000 | $242 | +18% |
| 87111 Albuquerque | $417,000 | $232 | +16% |
| 87109 Albuquerque | $378,000 | $227 | +5% |
| 87114 Albuquerque | $375,000 | $205 | +4% |
| 87106 Albuquerque | $365,000 | $241 | +2% |
| 87120 Albuquerque | $359,000 | $216 | +0% |
| 87104 Albuquerque | $356,000 | $256 | -1% |
| 87107 Albuquerque | $349,000 | $271 | -3% |
| 87123 Albuquerque | $342,000 | $216 | -5% |
| 87112 Albuquerque | $321,000 | $209 | -11% |
| 87110 Albuquerque | $319,000 | $207 | -11% |
Home value appreciation in Bernalillo County
Home prices in Bernalillo County have risen about 86% over the last 10 years (≈6.4% a year) and +97.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.9% — still rising. A home worth $359,000 today was worth roughly $192,803 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New Mexico is +81.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Bernalillo County
Run the numbers for Bernalillo County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Bernalillo County
To buy the typical $359,000 home in Bernalillo County with 20% down, you need a household income of roughly $98,000 a year (about $2,280 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $116,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $18,000 | $2,830/mo | $121,000/yr |
| 10% (+PMI) | $35,900 | $2,710/mo | $116,000/yr |
| 20% | $71,800 | $2,280/mo | $98,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Bernalillo County
At about $232 per square foot, here is roughly how much home different budgets get you in Bernalillo County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 860 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1290 sq ft | around the typical home here |
| $400k | 1720 sq ft | around the typical home here |
| $500k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New Mexico.
Estimate a specific home in Bernalillo County
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Bernalillo County home prices: frequently asked
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Browse all New Mexico cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.