Cibola County, NM Average Home Price (2026)
The average home price in Cibola County, New Mexico is about $208,500 (the 2026 median across 8 ZIP codes, at ~$124/sq ft) — 35% more affordable than the New Mexico median and 28% more affordable than the typical U.S. home.
How Cibola County compares
Cibola County is relatively affordable for housing nationally: its typical home costs $208,500 against $319,000 for New Mexico and $289,000 for the U.S. Within the county, ZIP-level values run from about $72,000 to $557,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cibola County | $208,500 | $124 |
| New Mexico | $319,000 | $205 |
| United States | $289,000 | $193 |
Cibola County home prices by ZIP code
The 8 most valuable ZIP codes in Cibola County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 87315 Fence Lake | $557,000 | $293 | +167% |
| 87357 Pinehill | $504,000 | $265 | +142% |
| 87321 Ramah | $410,000 | $216 | +97% |
| 87051 San Rafael | $217,000 | $114 | +4% |
| 87005 Bluewater | $200,000 | $105 | -4% |
| 87020 Grants | $161,000 | $134 | -23% |
| 87049 San Fidel | $110,000 | $58 | -47% |
| 87021 Milan | $72,000 | $38 | -65% |
Home value appreciation in Cibola County
Home prices in Cibola County have risen about 57% over the last 10 years (≈4.6% a year) and +107.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +14.3% — still rising. A home worth $208,500 today was worth roughly $132,887 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 Cibola County
Run the numbers for Cibola County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cibola County
To buy the typical $208,500 home in Cibola County with 20% down, you need a household income of roughly $57,000 a year (about $1,320 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $67,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,400 | $1,650/mo | $71,000/yr |
| 10% (+PMI) | $20,900 | $1,570/mo | $67,000/yr |
| 20% | $41,700 | $1,320/mo | $57,000/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 Cibola County
At about $124 per square foot, here is roughly how much home different budgets get you in Cibola County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1210 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1610 sq ft | around the typical home here |
| $250k | 2020 sq ft | around the typical home here |
| $300k | 2420 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3230 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 Cibola County
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Cibola 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.