87581 — Rio Arriba County, New Mexico Market Snapshot
Housing market data for zip code 87581 in Rio Arriba County, New Mexico. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Rio Arriba County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$439,000
Days to Sell
39
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 87581 can comfortably use conventional financing. The median home price of $439,000 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
87581's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 87581 can comfortably use conventional financing. The median home price of $439,000 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 87581 are set at the county level.
2026 Loan Limits — Rio Arriba 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 87581
To purchase the median home at $439,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,513.
Monthly Payment
$3,513
Income Required
$150,578
Principal & Interest
$2,705/mo
Down Payment (5%)
$21,950
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 87581.
Estimated Monthly Payment
$2,867
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