Total monthly cost of ownership
Cost to Own a Home in Santa Clara Pueblo, New Mexico
A $206,000 home here costs
$1,560per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,059. The real number is $501 higher every month — 47% 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.
Santa Clara Pueblo against Rio Arriba County and New Mexico
| Measure | Santa Clara Pueblo | Rio Arriba County |
|---|---|---|
| Median home value | $205,700 | $230,900 |
| Median property tax | $523 | $1,000 |
| Effective tax rate | 0.254% | 0.433% |
| Median gross rent | $1,014 | $760 |
| Population | 1,002 | 40,165 |
The weather behind that power bill
Santa Clara Pueblo sits in Rio Arriba County, which averages a high of 84.6°F in its hottest month and a low of 8.6°F in its coldest, with 14.13" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 147 cooling and 7,510 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Rio Arriba County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rio Arriba County
Full Rio Arriba County cost breakdown · Every county in New Mexico
Common questions
How much does it cost to own a home in Santa Clara Pueblo?
A $206,000 home in Santa Clara Pueblo, New Mexico costs approximately $1,560 per month with 20% down at 6.66%. That is $1,059 principal and interest, $44 property tax, $90 homeowners insurance, $195 utilities and $172 set aside for maintenance.
What is the property tax rate in Santa Clara Pueblo?
Santa Clara Pueblo has an effective property tax rate of 0.254%, based on a median home value of $205,700 and median real estate taxes of $523. That is lower than the Rio Arriba County average of 0.433%.
What is the average home price in Santa Clara Pueblo?
The median owner-occupied home value in Santa Clara Pueblo, New Mexico is $205,700, against $230,900 across Rio Arriba County.
Is it cheaper to rent or buy in Santa Clara Pueblo?
Median gross rent in Santa Clara Pueblo is $1,014 a month, against $1,560 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 Santa Clara 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.