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.

Home Value$319,793

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for Santa Cruz.

Income (annual)

Down Payment

$63,959 on $319,793

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

Stretch31.4% of income

Above 28% but manageable with cuts.

PITI$1,964

P/I31.4%

Afford$285K

Gap-$35K

P&I $1,617Tax $213Ins $133

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 Santa Cruz 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 Santa Fe, NM analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Santa Fe, NM metro.

View Santa Fe, NM metro

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Santa Cruz, NM