87520 — Rio Arriba County, New Mexico Market Snapshot
Housing market data for zip code 87520 in Rio Arriba County, New Mexico. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Rio Arriba County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$387,000
Days to Sell
225
Homes Sold
4
Inventory
11
Conforming Loan Available
Most homebuyers in 87520 can comfortably use conventional financing. The median home price of $387,000 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
With homes sitting for 225 days on average, 87520 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 87520 can comfortably use conventional financing. The median home price of $387,000 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 87520 are set at the county level.
2026 Loan Limits — Rio Arriba 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 87520
To purchase the median home at $387,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,115.
Monthly Payment
$3,115
Income Required
$133,503
Principal & Interest
$2,385/mo
Down Payment (5%)
$19,350
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 87520.
Estimated Monthly Payment
$2,545
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