88439 — San Miguel County, New Mexico Market Snapshot
Housing market data for zip code 88439 in San Miguel 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 San Miguel County county page for broader data.
Market Sales Data
1 sales in 2016
Median Sale Price
$463,500
Days to Sell
11
Homes Sold
1
Inventory
N/A
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $463,500 median-priced home in 88439 is $440,325. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $463,500 median-priced home in 88439 is $440,325. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 88439 are set at the county level.
2026 Loan Limits — San Miguel 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 88439
To purchase the median home at $463,500 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,885.
Monthly Payment
$3,885
Income Required
$166,485
Principal & Interest
$2,856/mo
Property Tax
$695/mo
Home Insurance
$150/mo
Estimated PMI
$183/mo
Down Payment (5%)
$23,175
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 88439.
Estimated Monthly Payment
$3,019
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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