Rio Arriba County, NM Average Home Price (2026)
The average home price in Rio Arriba County, New Mexico is about $389,500 (the 2026 median across 22 ZIP codes, at ~$223/sq ft) — 22% more expensive than the New Mexico median and 35% more expensive than the typical U.S. home.
How Rio Arriba County compares
Rio Arriba County is relatively expensive for housing nationally: its typical home costs $389,500 against $319,000 for New Mexico and $289,000 for the U.S. Within the county, ZIP-level values run from about $152,000 to $1,005,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Rio Arriba County | $389,500 | $223 |
| New Mexico | $319,000 | $205 |
| United States | $289,000 | $193 |
Rio Arriba County home prices by ZIP code
The 15 most valuable ZIP codes in Rio Arriba County (of 22 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 87064 Youngsville | $1,005,000 | $529 | +158% |
| 87539 La Madera | $781,000 | $411 | +101% |
| 87521 Chamisal | $667,000 | $351 | +71% |
| 87577 Tres Piedras | $610,000 | $321 | +57% |
| 87046 Regina | $526,000 | $277 | +35% |
| 87527 Dixon | $509,000 | $268 | +31% |
| 87581 Vallecitos | $456,000 | $240 | +17% |
| 87551 Los Ojos | $435,000 | $229 | +12% |
| 87549 Ojo Caliente | $418,000 | $220 | +7% |
| 87510 Abiquiu | $394,000 | $355 | +1% |
| 87582 Velarde | $391,000 | $206 | +0% |
| 87578 Truchas | $388,000 | $204 | +0% |
| 87548 Medanales | $384,000 | $202 | -1% |
| 87532 Espanola | $350,000 | $225 | -10% |
| 87530 El Rito | $314,000 | $165 | -19% |
Home value appreciation in Rio Arriba County
Home prices in Rio Arriba County have risen about 90% over the last 10 years (≈6.6% a year) and +68.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.6% — still rising. A home worth $389,500 today was worth roughly $205,216 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 Rio Arriba County
Run the numbers for Rio Arriba County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Rio Arriba County
To buy the typical $389,500 home in Rio Arriba County with 20% down, you need a household income of roughly $106,000 a year (about $2,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $126,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,500 | $3,070/mo | $132,000/yr |
| 10% (+PMI) | $39,000 | $2,940/mo | $126,000/yr |
| 20% | $77,900 | $2,470/mo | $106,000/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 Rio Arriba County
At about $223 per square foot, here is roughly how much home different budgets get you in Rio Arriba County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 900 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1350 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1790 sq ft | around the typical home here |
| $500k | 2240 sq ft | around the typical home here |
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 Rio Arriba County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Rio Arriba County home prices: frequently asked
What is the average home price in Rio Arriba County, NM? +
What salary do you need to buy a house in Rio Arriba County? +
Which part of Rio Arriba County is most expensive? +
Are home values in Rio Arriba County going up? +
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.