The median home in Chama, New Mexico is valued at $309,174, up 2.1% year over year. Chama is part of the Espa-¦ola, NM metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$309,174

+2.1%

Prices rising — worse for buyers.

Affordability

Enter your income for Chama.

Income (annual)

Down Payment

$61,835 on $309,174

Example: $75,000 household income. Change it above to see your own.

Stretch30.4% of income

Above 28% but manageable with cuts.

PITI$1,903

P/I30.4%

Afford$284K

Gap-$25K

P&I $1,563Tax $206Ins $133

6.50% 30yr, 20% down, county tax + NM ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New Mexico

Compare Chama with other housing markets across New Mexico.

Lamy$810K Los Ranchos de Albuquerque$685K Corrales$684K Placitas$635K Arroyo Seco$620K Alto$569K Santa Fe$569K Los Alamos$568K

Full Espa-¦ola, NM analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Espa-¦ola, NM metro.

View Espa-¦ola, NM metro

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Chama, NM