Total monthly cost of ownership
Cost to Own a Home in San Ysidro, New Mexico
A $307,000 home here costs
$2,331per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,578. The real number is $753 higher every month — 48% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
San Ysidro against Doña Ana County and New Mexico
| Measure | San Ysidro | Doña Ana County |
|---|---|---|
| Median home value | $306,900 | $205,400 |
| Median property tax | $2,013 | $1,404 |
| Effective tax rate | 0.656% | 0.684% |
| Median gross rent | $931 | $903 |
| Population | 2,179 | 221,665 |
The weather behind that power bill
San Ysidro sits in Doña Ana County, which averages a high of 96.2°F in its hottest month and a low of 29.6°F in its coldest, with 9.14" of precipitation a year and 54% of it in a single three-month stretch. That climate drives 2,059 cooling and 2,675 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Doña Ana County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Doña Ana County
Full Doña Ana County cost breakdown · Every county in New Mexico
Common questions
How much does it cost to own a home in San Ysidro?
A $307,000 home in San Ysidro, New Mexico costs approximately $2,331 per month with 20% down at 6.66%. That is $1,578 principal and interest, $168 property tax, $135 homeowners insurance, $195 utilities and $256 set aside for maintenance.
What is the property tax rate in San Ysidro?
San Ysidro has an effective property tax rate of 0.656%, based on a median home value of $306,900 and median real estate taxes of $2,013. That is lower than the Doña Ana County average of 0.684%.
What is the average home price in San Ysidro?
The median owner-occupied home value in San Ysidro, New Mexico is $306,900, against $205,400 across Doña Ana County.
Is it cheaper to rent or buy in San Ysidro?
Median gross rent in San Ysidro is $931 a month, against $2,331 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for San Ysidro — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for New Mexico.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.