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Rio Rancho city, NM

ZIP 87144 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 87144

Median Home Value
$280,600
Median Rent
$1,354
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,802/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 87144 in Rio Rancho city, NM, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,802. That sits below the local median household income ($90,973), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.2%+32% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
94.9%+9% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.0%-42% vs US avg
x
Rent Burden >30%
19.9%-60% vs US avg
x
Mortgage-Free
24.5%-36% vs US avg
x
$280,600
Home Value
$1,354
Rent
2004
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached96.4%
  • 1-unit attached0.3%
  • 2-9 units0.3%
  • 10+ units1.0%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$280,600
Median rent$1,354
Owner-occupied86.2%
Vacant3.3%
Price-to-income3.1x
Est. income to buy$77,000