The median home in Santa Cruz, New Mexico is valued at $319,793, up 0.5% year over year. Santa Cruz is part of the Santa Fe, NM metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: Santa Fe, NM stress score, crash risk, and 12-month forecast →
Home Value$319,793
+0.5%
AFFORDABILITY6.50% 30yr, 20% down, county tax + NM ins. 28% per HUD.
Enter your income for Santa Cruz.
$63,959 on $319,793
Stretch — 31.4% of income
Above 28% but manageable with cuts.
PITI$1,964
P/I31.4%
Afford$285K
Gap-$35K
P&I $1,617Tax $213Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in New Mexico
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Full Santa Fe, NM analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Santa Fe, NM metro.
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