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Chamita CDP, NM

ZIP 87566 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 87566

Median Home Value
$500,000
Median Rent
$559
Affordability Snapshot
$138,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,212/mo PITI).

10%
Rent-to-Income Ratio

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

7.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

74.5 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 87566 in Chamita CDP, NM, a household would need roughly $138,000 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 $3,212. That is about 116% above the local median household income ($64,028), so the median earner would likely stretch or need a larger down payment. 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
87.3%+34% vs US avg
x
Vacancy Rate
19.7%+91% vs US avg
x
Broadband Access
67.6%-22% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
81.6%+114% vs US avg
x
$500,000
Home Value
$559
Rent
1979
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 detached61.5%
  • 1-unit attached1.9%
  • 2-9 units4.3%
  • 10+ units0.0%
  • Mobile home & other32.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$500,000
Median rent$559
Owner-occupied87.3%
Vacant19.7%
Price-to-income7.8x
Est. income to buy$138,000