Total monthly cost of ownership
Cost to Own a Home in Upper Fruitland, New Mexico
A $92,000 home here costs
$1,273per 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 $54,500 a year.
A standard mortgage calculator would have told you $502. The real number is $772 higher every month, 154% more than the payment most buyers budget for.
Compare San Juan County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Upper Fruitland from a five-year rolling sample, and with about 1,496 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 San Juan 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.
Upper Fruitland against San Juan County and New Mexico
| Measure | Upper Fruitland | San Juan County |
|---|---|---|
| Median home value | $91,700 | $185,100 |
| Median property tax | $5,724 | $1,249 |
| Effective tax rate | 6.242% | 0.675% |
| Median gross rent | — | $917 |
| Population | 1,496 | 121,178 |
The weather behind that power bill
Upper Fruitland sits in San Juan County, which averages a high of 93.3°F in its hottest month and a low of 19.2°F in its coldest, with 7.76" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 995 cooling and 5,268 heating degree days, which is what sets the $108 electricity line above.
See the full climate breakdown for San Juan County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Juan County
Full San Juan County cost breakdown · Every county in New Mexico
Talk to someone who works this market
These are Upper Fruitland 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 Upper Fruitland every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Upper Fruitland I already own here and may sell
Common questions
How much does it cost to own a home in Upper Fruitland?
A $92,000 home in Upper Fruitland, New Mexico costs approximately $1,273 per month with 20% down at 7.24%. That is $502 principal and interest, $479 property tax, $40 homeowners insurance, $176 utilities and $77 set aside for maintenance.
What is the property tax rate in Upper Fruitland?
Upper Fruitland has an effective property tax rate of 6.242%, based on a median home value of $91,700 and median real estate taxes of $5,724. That is higher than the San Juan County average of 0.675%.
What is the average home price in Upper Fruitland?
The median owner-occupied home value in Upper Fruitland, New Mexico is $91,700, against $185,100 across San Juan County.
Is it cheaper to rent or buy in Upper Fruitland?
Rent data is not published for Upper Fruitland at this level of detail.
What salary do you need to buy a home in Upper Fruitland?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Upper Fruitland, New Mexico at today's rate takes a household income of roughly $54,500 a year. That covers the full $1,273 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Upper Fruitland, 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.