Total monthly cost of ownership
Cost to Own a Home in Zuni Pueblo, New Mexico
A $79,000 home here costs
$746per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $406. The real number is $340 higher every month — 84% 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.
Zuni Pueblo against McKinley County and New Mexico
| Measure | Zuni Pueblo | McKinley County |
|---|---|---|
| Median home value | $79,200 | $72,100 |
| Median property tax | $536 | $1,362 |
| Effective tax rate | 0.677% | 1.889% |
| Median gross rent | $565 | $810 |
| Population | 6,132 | 71,172 |
The weather behind that power bill
Zuni Pueblo sits in McKinley County, which averages a high of 88.8°F in its hottest month and a low of 13.9°F in its coldest, with 10.7" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 475 cooling and 6,105 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for McKinley County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McKinley County
Full McKinley County cost breakdown · Every county in New Mexico
Common questions
How much does it cost to own a home in Zuni Pueblo?
A $79,000 home in Zuni Pueblo, New Mexico costs approximately $746 per month with 20% down at 6.66%. That is $406 principal and interest, $45 property tax, $35 homeowners insurance, $195 utilities and $66 set aside for maintenance.
What is the property tax rate in Zuni Pueblo?
Zuni Pueblo has an effective property tax rate of 0.677%, based on a median home value of $79,200 and median real estate taxes of $536. That is lower than the McKinley County average of 1.889%.
What is the average home price in Zuni Pueblo?
The median owner-occupied home value in Zuni Pueblo, New Mexico is $79,200, against $72,100 across McKinley County.
Is it cheaper to rent or buy in Zuni Pueblo?
Median gross rent in Zuni Pueblo is $565 a month, against $746 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 Zuni 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.