San Juan County, New Mexico home prices
Typical home $273,559 · +6.8% in a year · property tax 0.68%
The typical home in San Juan County is worth $273,559, 13% less than the New Mexico typical home ($315,812). Values changed +6.8% in the past year and +32.3% over five years. Homeowners here pay a median 0.68% of their home's value in property tax each year ($1,859 on the typical home), versus 0.63% statewide.
Mortgage on the typical San Juan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,712 | $218,847 | $1,472 | $0 | $292 | $1,764 | $75,600 |
| 10% down | $27,356 | $246,203 | $1,656 | $103 | $292 | $2,051 | $87,900 |
| 5% down | $13,678 | $259,881 | $1,748 | $108 | $292 | $2,148 | $92,100 |
| 3.5% down (FHA) | $9,575 | $268,604 | $1,807 | $121 | $292 | $2,220 | $95,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% 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 Farmington metro area.
New Mexico counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dona Ana County | $285,351 | -0.6% | 0.67% |
| Eddy County | $247,965 | +3.1% | 0.52% |
| San Miguel County | $246,341 | +4.7% | 0.57% |
| Colfax County | $244,949 | -2.7% | 0.52% |
| Otero County | $229,953 | -1.8% | 0.55% |
| Valencia County | $318,413 | +2.9% | 0.62% |
| Torrance County | $217,224 | +6.0% | 0.45% |
| McKinley County | $216,464 | -2.1% | 2% |
| Rio Arriba County | $331,139 | +2.3% | 0.42% |
| Catron County | $212,317 | +8.5% | 0.36% |
Frequently asked questions
What is the average home price in San Juan County, NM?
The typical home value in San Juan County is $273,559 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Juan County?
About $75,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Juan County?
The median effective rate is 0.68% of home value a year (Census ACS 2024 5-year estimates).