Cibola County, New Mexico home prices
Typical home $159,086 · +8.5% in a year · property tax 0.8%
The typical home in Cibola County is worth $159,086, 50% less than the New Mexico typical home ($315,812). Values changed +8.5% in the past year and +30.0% over five years. Homeowners here pay a median 0.8% of their home's value in property tax each year ($1,272 on the typical home), versus 0.63% statewide.
Mortgage on the typical Cibola County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,817 | $127,269 | $856 | $0 | $186 | $1,042 | $44,600 |
| 10% down | $15,909 | $143,177 | $963 | $60 | $186 | $1,208 | $51,800 |
| 5% down | $7,954 | $151,131 | $1,017 | $63 | $186 | $1,265 | $54,200 |
| 3.5% down (FHA) | $5,568 | $156,204 | $1,051 | $70 | $186 | $1,307 | $56,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New Mexico · part of the Grants metro area.
New Mexico counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Curry County | $159,828 | +2.4% | 0.59% |
| Luna County | $163,798 | +4.3% | 0.54% |
| Chaves County | $171,293 | +0.4% | 0.6% |
| Roosevelt County | $144,463 | +1.5% | 0.45% |
| Grant County | $178,942 | -4.8% | 0.46% |
| Sierra County | $180,323 | +4.2% | 0.52% |
| Lea County | $196,513 | +3.0% | 0.48% |
| Socorro County | $197,130 | +3.3% | 0.61% |
| Union County | $107,344 | -9.9% | 0.7% |
| Catron County | $212,317 | +8.5% | 0.36% |
Frequently asked questions
What is the average home price in Cibola County, NM?
The typical home value in Cibola County is $159,086 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cibola County?
About $44,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cibola County?
The median effective rate is 0.8% of home value a year (Census ACS 2024 5-year estimates).