87021 — Cibola County, New Mexico Market Snapshot
Housing market data for zip code 87021 in Cibola County, New Mexico. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Cibola County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$144,900
Days to Sell
24
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 87021 can comfortably use conventional financing. The median home price of $144,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 87021 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 87021 can comfortably use conventional financing. The median home price of $144,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 87021 are set at the county level.
2026 Loan Limits — Cibola County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 87021
To purchase the median home at $144,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,260.
Monthly Payment
$1,260
Income Required
$54,008
Principal & Interest
$893/mo
Down Payment (5%)
$7,245
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 87021.
Estimated Monthly Payment
$1,047
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