87571 — Taos County, New Mexico Market Snapshot
Housing market data for zip code 87571 in Taos County, New Mexico. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$599,000
Days to Sell
190
Homes Sold
25
Inventory
100
Sale-to-List
100.0%
New Listings
67
Price/SqFt
$358
Pending Sales
25
Conforming Loan Available
Most homebuyers in 87571 can comfortably use conventional financing. The median home price of $599,000 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 190 days on average, 87571 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 87571 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 87571 can comfortably use conventional financing. The median home price of $599,000 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 87571 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 87571
To purchase the median home at $599,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,739.
Monthly Payment
$4,739
Income Required
$203,115
Principal & Interest
$3,691/mo
Down Payment (5%)
$29,950
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 87571.
Estimated Monthly Payment
$3,857
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