What income do you need to buy a house in Ruidoso, NM?

It takes about $84,000/yr to afford the typical Ruidoso, NM home ($318K, -2.5% past year) at today's rates. Starter homes run around $212K. See if you can afford a house in Ruidoso (2026 data) — free, no signup.

Market snapshot (2026-06)

• Income needed to buy the typical home: about $84,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, NM property tax and insurance)
• Typical home value: $318K (Zillow ZHVI, 2026-06)
• 1-year change: -2.5%
• Bottom 35% of homes: $212K
• Top 35% of homes start around: $481K
• Median household income: $53K
• Price-to-income ratio: 6.0
• Estimated payment on the typical home: $1,633/mo principal & interest (20% down, 6.66% 30-yr fixed)

Nearby housing markets

• Alamogordo, NM — typical home $224K
• Roswell, NM — typical home $176K
• Socorro, NM — typical home $195K
• Truth or Consequences, NM — typical home $160K
• Las Cruces, NM — typical home $292K
• Chaparral, NM — typical home $216K

The most affordable cities to buy a house in New Mexico

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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