88044 — Do̱a Ana County, New Mexico Market Snapshot
Housing market data for zip code 88044 in Do̱a Ana County, New Mexico. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Do̱a Ana County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$359,950
Days to Sell
115
Homes Sold
8
Inventory
12
Conforming Loan Available
Most homebuyers in 88044 can comfortably use conventional financing. The median home price of $359,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 115 days on average, 88044 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 88044 can comfortably use conventional financing. The median home price of $359,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 88044 are set at the county level.
2026 Loan Limits — Do̱a Ana County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 88044
To purchase the median home at $359,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,908.
Monthly Payment
$2,908
Income Required
$124,621
Principal & Interest
$2,218/mo
Down Payment (5%)
$17,998
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 88044.
Estimated Monthly Payment
$2,378
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