87564 — Taos County, New Mexico Market Snapshot
Housing market data for zip code 87564 in Taos County, New Mexico. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Taos County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$686,500
Days to Sell
153
Homes Sold
2
Inventory
1
Conforming Loan Available
The median home in 87564 at $686,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 153 days on average, 87564 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 87564 at $686,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 87564 are set at the county level.
2026 Loan Limits — Taos 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 87564
To purchase the median home at $686,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,410.
Monthly Payment
$5,410
Income Required
$231,846
Principal & Interest
$4,230/mo
Down Payment (5%)
$34,325
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 87564.
Estimated Monthly Payment
$4,399
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