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Ramah CDP, NM

ZIP 87321 — 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 87321

Median Home Value
$160,200
Median Rent
$923
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,029/mo PITI).

18%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.5 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 87321 in Ramah CDP, NM, a household would need roughly $44,000 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 $1,029. That sits below the local median household income ($60,345), 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

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.9%+8% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
69.1%-21% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.7%-74% vs US avg
x
Mortgage-Free
72.7%+90% vs US avg
x
$160,200
Home Value
$923
Rent
1989
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached76.6%
  • 1-unit attached0.2%
  • 2-9 units1.5%
  • 10+ units0.0%
  • Mobile home & other21.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,200
Median rent$923
Owner-occupied70.9%
Vacant21.8%
Price-to-income2.7x
Est. income to buy$44,000