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Nakaibito CDP, NM

ZIP 87320 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 87320

Median Home Value
$39,300
Median Rent
$250
Affordability Snapshot
$11,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$252/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 87320 in Nakaibito CDP, NM, a household would need roughly $11,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $252. That sits below the local median household income ($37,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.7%+34% vs US avg
x
Vacancy Rate
27.1%+164% vs US avg
x
Broadband Access
36.8%-58% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.6%-30% vs US avg
x
Mortgage-Free
90.3%+136% vs US avg
x
$39,300
Home Value
$250
Rent
1988
Year Built
1995
Moved In

Residents have lived here since ~1995 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached84.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other15.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$39,300
Median rent$250
Owner-occupied87.7%
Vacant27.1%
Price-to-income1.0x
Est. income to buy$11,000