Median home value in zip code 87522 (Santa Cruz, NM) is $306,617, up 1.2% year over year. Part of the Espa-¦ola, NM metropolitan area.

Home Value$306,617

YoY Change

+1.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 87522 (Santa Cruz).

Income (annual)

Down Payment

$61,323 on $306,617

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

Stretch30.2% of income

Above 28% but manageable with cuts.

PITI$1,888

P/I30.2%

Afford$284K

Gap-$22K

P&I $1,550Tax $204Ins $133

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

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

Metro Analysis

87522 is part of the Espa-¦ola, NM metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Espa-¦ola, NM analysis

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