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Kirtland town, NM

ZIP 87417 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 87417

Median Home Value
$180,400
Median Rent
$632
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,159/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.8 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 87417 in Kirtland town, NM, a household would need roughly $50,000 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 $1,159. That sits below the local median household income ($65,396), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.3%+6% vs US avg
x
Vacancy Rate
12.0%+16% vs US avg
x
Broadband Access
73.1%-16% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
4.4%-65% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
47.3%+24% vs US avg
x
$180,400
Home Value
$632
Rent
1991
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached43.2%
  • 1-unit attached0.0%
  • 2-9 units5.5%
  • 10+ units1.9%
  • Mobile home & other49.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,400
Median rent$632
Owner-occupied69.3%
Vacant12.0%
Price-to-income2.8x
Est. income to buy$50,000