Total monthly cost of ownership
Cost to Own a Home in Santa Ana Pueblo, New Mexico
A $147,000 home here costs
$1,195per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $51,000 a year.
A standard mortgage calculator would have told you $801. The real number is $394 higher every month, 49% more than the payment most buyers budget for.
Compare Sandoval County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Santa Ana Pueblo from a five-year rolling sample, and with about 1,028 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Sandoval County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Santa Ana Pueblo against Sandoval County and New Mexico
| Measure | Santa Ana Pueblo | Sandoval County |
|---|---|---|
| Median home value | $147,100 | $282,300 |
| Median property tax | $372 | $2,147 |
| Effective tax rate | 0.253% | 0.761% |
| Median gross rent | — | $1,408 |
| Population | 1,028 | 151,538 |
The weather behind that power bill
Santa Ana Pueblo sits in Sandoval County, which averages a high of 73.7°F in its hottest month and a low of 8.7°F in its coldest, with 25.48" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2 cooling and 8,991 heating degree days, which is what sets the $108 electricity line above.
See the full climate breakdown for Sandoval County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sandoval County
Full Sandoval County cost breakdown · Every county in New Mexico
Talk to someone who works this market
These are Santa Ana Pueblo averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Santa Ana Pueblo every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Santa Ana Pueblo I already own here and may sell
Common questions
How much does it cost to own a home in Santa Ana Pueblo?
A $147,000 home in Santa Ana Pueblo, New Mexico costs approximately $1,195 per month with 20% down at 7.24%. That is $801 principal and interest, $31 property tax, $64 homeowners insurance, $176 utilities and $123 set aside for maintenance.
What is the property tax rate in Santa Ana Pueblo?
Santa Ana Pueblo has an effective property tax rate of 0.253%, based on a median home value of $147,100 and median real estate taxes of $372. That is lower than the Sandoval County average of 0.761%.
What is the average home price in Santa Ana Pueblo?
The median owner-occupied home value in Santa Ana Pueblo, New Mexico is $147,100, against $282,300 across Sandoval County.
Is it cheaper to rent or buy in Santa Ana Pueblo?
Rent data is not published for Santa Ana Pueblo at this level of detail.
What salary do you need to buy a home in Santa Ana Pueblo?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Santa Ana Pueblo, New Mexico at today's rate takes a household income of roughly $51,000 a year. That covers the full $1,195 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Santa Ana Pueblo, 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.