De Baca County, New Mexico home prices
Typical home $101,406 · +2.9% in a year · property tax 0.6%
The typical home in De Baca County is worth $101,406, 68% less than the New Mexico typical home ($315,812). Values changed +2.9% in the past year and — over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($605 on the typical home), versus 0.63% statewide.
Mortgage on the typical De Baca County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $20,281 | $81,125 | $546 | $0 | $101 | $647 | $27,700 |
| 10% down | $10,141 | $91,266 | $614 | $38 | $101 | $753 | $32,300 |
| 5% down | $5,070 | $96,336 | $648 | $40 | $101 | $789 | $33,800 |
| 3.5% down (FHA) | $3,549 | $99,569 | $670 | $45 | $101 | $816 | $35,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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.
New Mexico counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hidalgo County | $105,669 | -5.2% | 0.48% |
| Quay County | $96,160 | -3.8% | 0.61% |
| Union County | $107,344 | -9.9% | 0.7% |
| Roosevelt County | $144,463 | +1.5% | 0.45% |
| Cibola County | $159,086 | +8.5% | 0.8% |
| Curry County | $159,828 | +2.4% | 0.59% |
| Luna County | $163,798 | +4.3% | 0.54% |
| Chaves County | $171,293 | +0.4% | 0.6% |
| Grant County | $178,942 | -4.8% | 0.46% |
| Sierra County | $180,323 | +4.2% | 0.52% |
Frequently asked questions
What is the average home price in De Baca County, NM?
The typical home value in De Baca County is $101,406 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in De Baca County?
About $27,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in De Baca County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).