Total monthly cost of ownership
Cost to Own a Home in White Rock, New Mexico
A $460,000 home here costs
$3,483per 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 $149,500 a year.
A standard mortgage calculator would have told you $2,508. The real number is $975 higher every month, 39% more than the payment most buyers budget for.
Compare Los Alamos County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
White Rock against Los Alamos County and New Mexico
| Measure | White Rock | Los Alamos County |
|---|---|---|
| Median home value | $460,100 | $452,500 |
| Median property tax | $2,567 | $2,591 |
| Effective tax rate | 0.558% | 0.573% |
| Median gross rent | — | $1,308 |
| Population | 5,568 | 19,374 |
The weather behind that power bill
White Rock sits in Los Alamos County, which averages a high of 82.5°F in its hottest month and a low of 20.5°F in its coldest, with 17.49" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 397 cooling and 5,929 heating degree days, which is what sets the $108 electricity line above.
See the full climate breakdown for Los Alamos County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Los Alamos County
Full Los Alamos County cost breakdown · Every county in New Mexico
Talk to someone who works this market
These are White Rock 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 White Rock every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in White Rock I already own here and may sell
Common questions
How much does it cost to own a home in White Rock?
A $460,000 home in White Rock, New Mexico costs approximately $3,483 per month with 20% down at 7.24%. That is $2,508 principal and interest, $214 property tax, $202 homeowners insurance, $176 utilities and $383 set aside for maintenance.
What is the property tax rate in White Rock?
White Rock has an effective property tax rate of 0.558%, based on a median home value of $460,100 and median real estate taxes of $2,567. That is lower than the Los Alamos County average of 0.573%.
What is the average home price in White Rock?
The median owner-occupied home value in White Rock, New Mexico is $460,100, against $452,500 across Los Alamos County.
Is it cheaper to rent or buy in White Rock?
Rent data is not published for White Rock at this level of detail.
What salary do you need to buy a home in White Rock?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in White Rock, New Mexico at today's rate takes a household income of roughly $149,500 a year. That covers the full $3,483 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for White Rock, 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.