Total monthly cost of ownership
Cost to Own a Home in Santa Rosa, New Mexico
A $102,000 home here costs
$892per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $524. The real number is $368 higher every month — 70% 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 Rosa against Guadalupe County and New Mexico
| Measure | Santa Rosa | Guadalupe County |
|---|---|---|
| Median home value | $101,800 | $107,200 |
| Median property tax | $520 | $563 |
| Effective tax rate | 0.511% | 0.525% |
| Median gross rent | $538 | $515 |
| Population | 2,447 | 4,379 |
The weather behind that power bill
Santa Rosa sits in Guadalupe County, which averages a high of 93.0°F in its hottest month and a low of 24.6°F in its coldest, with 15.01" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,278 cooling and 3,674 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Guadalupe County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Guadalupe County
No other places of this size are published in Guadalupe County.
Full Guadalupe County cost breakdown · Every county in New Mexico
Common questions
How much does it cost to own a home in Santa Rosa?
A $102,000 home in Santa Rosa, New Mexico costs approximately $892 per month with 20% down at 6.66%. That is $524 principal and interest, $43 property tax, $45 homeowners insurance, $195 utilities and $85 set aside for maintenance.
What is the property tax rate in Santa Rosa?
Santa Rosa has an effective property tax rate of 0.511%, based on a median home value of $101,800 and median real estate taxes of $520. That is lower than the Guadalupe County average of 0.525%.
What is the average home price in Santa Rosa?
The median owner-occupied home value in Santa Rosa, New Mexico is $101,800, against $107,200 across Guadalupe County.
Is it cheaper to rent or buy in Santa Rosa?
Median gross rent in Santa Rosa is $538 a month, against $892 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 Rosa — 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.