87413 — San Juan County, New Mexico Market Snapshot
Housing market data for zip code 87413 in San Juan County, New Mexico. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$297,500
Days to Sell
16
Homes Sold
14
Inventory
13
Sale-to-List
0.0%
New Listings
22
Price/SqFt
$202
Pending Sales
23
Conforming Loan Available
Most homebuyers in 87413 can comfortably use conventional financing. The median home price of $297,500 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
Homes in 87413 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 87413 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 87413 can comfortably use conventional financing. The median home price of $297,500 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 87413 are set at the county level.
2026 Loan Limits — San Juan 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 87413
To purchase the median home at $297,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,429.
Monthly Payment
$2,429
Income Required
$104,115
Principal & Interest
$1,833/mo
Down Payment (5%)
$14,875
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 87413.
Estimated Monthly Payment
$1,991
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