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Cibola County, New Mexico

Single-family vs. condo trends, market pressure signals, and 5-year price history. Source: Redfin.

Low transaction volume. Cibola County, New Mexico averaged 2 sales in the latest reporting month, so YoY price moves can swing wildly between months and don't necessarily reflect market direction. Inventory + DOM + price-drop signals stay informative; the % change badges are suppressed below 10 monthly sales.
Median Sale Price
$131,000
low-volume — YoY suppressed
Active Inventory
40
Days on Market
423 days
Price Drops
25.0%

Single-Family vs. Condo

Source: Redfin (property-type breakdown)
Single-Family Median
$131,000

Buyer vs. Seller Market Indicators

Latest month — Redfin
Months of Supply
20.0 mo
Buyer market

Inventory ÷ monthly sales. Below 3 = strong seller market; 3-6 balanced; above 6 = buyer market.

% Sold Above List
0%
Buyer-favorable

Share of closed sales priced above asking. The single cleanest read on bidder competition.

What does your sqft target cost in Cibola County, New Mexico?

$105/sqft median (Redfin)
+$0 adj
+$0 adj
optional
Estimated price
$210,008
Above median range (+60% vs median)
Region median
$131,000
all homes
Price-tier reverse lookup — what sqft does each price band buy?
$600,000
≈ 5,714 sqft
$1,200,000
≈ 11,428 sqft
$2,000,000
≈ 19,047 sqft
$5,000,000
≈ 47,617 sqft

Estimate = (median $/sqft × your sqft) + bed/bath/lot adjustments. Bed and bath adjustments use Appraisal Institute / Fannie Mae standard rules of thumb (~$15K/extra bedroom, ~$20K/extra bathroom vs. a 3bd/2ba baseline; half-bath = half adj). Lot premium is a $1.50/sqft heuristic beyond a 6,000 sqft baseline — accuracy varies sharply by urban infill vs. acreage market. Quality, condition, year built, and HOA are not modeled here. For a deeper county-level hedonic AVM, see AVM Lite.

Rent + invest vs. buy + own — backtested

15-yr rolling history · S&P 500
Property type:
Upfront capital committed (both paths): $30K = 20% down + 3% closing on a $131K home
BUY + OWN
Median ending wealth $115K $70K real
Net gain on $30K upfront: $85K
Range: $115K → $115K
Wealth = home value (appreciated at 3%/yr) − remaining mortgage − 6% selling cost. Gain = wealth − upfront. Leveraged appreciation on full $131K asset comes from the 20% down.
RENT + INVEST
Median ending portfolio $76K $56K real
Net gain on $30K contributed: $46K
Range: $11K → $331K
Same upfront cash + each year's (own − rent) surplus invested in S&P 500 at actual annual returns. Median renter contributed $30K total.
Median wealth delta: $39K in favor of BUY + OWN
What if you'd started in a recent year? (most-recent 15yr window: 2011–2025)
WindowBuy wealthBuy gainRent wealthRent gainWealth delta
2011–2025$115K$85K$153K$123K$38K rent
2010–2024$115K$85K$158K$128K$43K rent
2009–2023$115K$85K$166K$135K$51K rent
2008–2022$115K$85K$63K$33K$52K buy
2007–2021$115K$85K$78K$48K$37K buy
2006–2020$115K$85K$71K$41K$44K buy
2005–2019$115K$85K$59K$29K$56K buy
2004–2018$115K$85K$50K$20K$65K buy

Educational tool, not investment or real-estate advice. Past performance does not guarantee future results. Backtests use actual annual total returns including dividends from S&P 500 (Damodaran (NYU Stern) annual total return (with dividends), 1957-present.).

Buyer model: 30-yr fixed mortgage, P&I + property tax + insurance + maintenance (1% of value/yr) + HOA. Selling cost = 6%. Investor model: down payment + annual cashflow surplus invested in the chosen index at that calendar year's actual return.

Tax model: pre-tax comparison. Toggle "after-tax mode" to apply MID, SALT, LTCG, and the Sec 121 capital-gains exclusion.

This calculator does not adjust for: PMI (assumed 20%+ down), differential transaction costs by state, lifestyle factors (commute, schools, kids), illiquidity / forced-sale risk, or insurance availability constraints (e.g., FL/CA wildfire). Consult a fiduciary advisor and tax professional before acting on any of this.

Market Pressure Signals

Derived from Redfin trend
Inventory vs. Long-Term Avg
+1.8%
roughly balanced
DOM vs. 24-Mo Avg
+213.1%
currently 423 days
Long-Term Avg Inventory
39
Long-Term Avg DOM
135 days

Mortgage & Price Stress

State HPI + national delinquency
State HPI YoY
+2.1%
positive — appreciating
State HPI vs. Peak
0.0%
at or near peak peak 2026-04-01
National Mortgage Delinquency
1.86%
benchmark — 2026-04-01 county-grain delinquency requires paid data

State-grain HPI YoY + drawdown from peak is the cleanest free price-stress proxy. The national delinquency rate gives the macro mortgage-stress backdrop. True county-level mortgage delinquency lives in paid datasets (MBA NDS, CoreLogic LP).

Getting a Mortgage Here

CFPB HMDA 2025
Applications Denied
57.6%
31.7 pts harder than New Mexico
Loans Actually Made
122
166 turned down
Average Loan Made
$140,902
what lenders here actually wrote
National Denial Rate
23.4%
benchmark — all 51 states

Every lender above a size threshold has to report each application and what they did with it. The denial rate here counts only applications a lender actually ruled on — approved or denied. Files the applicant withdrew, and files closed as incomplete, are left out of both halves, so this runs higher than tables that bury them in the denominator. Compare every state and county →

Value Ratios

Median home price ÷ county median income
Value / Income
2.5×
bargain
Median Household Income
$51,765
Census ACS B19013

Historically affordable markets sit at 3–4× income; over 5× is stretched, over 6× is severely overvalued. Lower ratios point to bargain opportunities.

Housing Stock & Owners

Census ACS 5-year (B19013, B01003, B25002, B25003, B25034, B25007)
Population
27,059
total residents
Total Housing Units
11,171
all units, occupied + vacant
Vacancy Rate
25.2%
high vacancy
Homeownership Rate
70.5%
of occupied units owner-occupied
Boomer Owners (65+)
29.6%
of homeowner households
Millennial / Gen-X Owners (35-54)
5.6%
of homeowner households
Pre-1949 Housing Stock
9.5%
structures built before 1949

When boomer-owner share is high, expect more inventory hitting the market over the next decade as homes transition. High vacancy + high old-stock often signals deferred-maintenance markets where buyers can negotiate.

Net Migration (IRS Tax Returns)

IRS Statistics of Income — Migration Data
Net Migration
+108
gaining people (2022–2023)
Inbound Returns
276
507 people moved in
Outbound Returns
242
399 people moved out
Net Returns
+34
household-filer basis

Top 5 Origins (where movers came from)

  1. Bernalillo, New Mexico — 135 returns
  2. McKinley, New Mexico — 90 returns
  3. Valencia, New Mexico — 31 returns
  4. Sandoval, New Mexico — 20 returns

Top 5 Destinations (where movers went)

  1. Bernalillo, New Mexico — 158 returns
  2. McKinley, New Mexico — 47 returns
  3. Valencia, New Mexico — 37 returns

IRS Statistics of Income tracks county-to-county migration via tax-return change-of-address. Net migration uses the exemption count (a proxy for people, including dependents). True net flow can lag by 1–2 years vs. real-time movements.

Who's Moving In (Census ACS)

Source: Census ACS B07001 (5-year)
Inbound Movers (1 yr)
2,085
7.83% of pop. — moved here from outside the county
From Other States
410
1.54% of pop. — interstate inbound
From Abroad
50
moved into the county from outside the U.S.
Same House 1 Year Ago
88%
stable residents

Census ACS asks where people lived 1 year ago, so this counts inbound movers but does not show outbound — true net migration would require IRS SOI parsing.

Trends

Up to 5 years of monthly data

Median Sale Price

Trailing 12 months

Active Inventory

Trailing 12 months

Days on Market

Trailing 12 months

Looking for state-level data? See New Mexico statewide stats →

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