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Chimayo CDP, NM

ZIP 87522 — 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 87522

Median Home Value
$219,400
Median Rent
$607
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,409/mo PITI).

13%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.1 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 87522 in Chimayo CDP, NM, a household would need roughly $60,000 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 $1,409. That is roughly in line with the local median household income ($54,625). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
20.1%+95% vs US avg
x
Broadband Access
65.5%-25% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.5%-73% vs US avg
x
Mortgage-Free
73.4%+92% vs US avg
x
$219,400
Home Value
$607
Rent
1976
Year Built
1996
Moved In

Residents have lived here since ~1996 on average

Housing Structure

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

  • 1-unit detached59.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other40.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,400
Median rent$607
Owner-occupied82.0%
Vacant20.1%
Price-to-income4.0x
Est. income to buy$60,000