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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Cliff, NM Housing Affordability Index

Cliff, New Mexico has an MBR Housing Affordability Index score of 101.6 (Near National Average) as of October 30, 2026, ranking 127th most affordable of 147 scored New Mexico cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $220,800 home with 20% down, the New Mexico average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,206, or 30% of the city’s $47,969 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cliff is updated every night from live New Mexico mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Cliff MBR-HAI 101.6 Near National Average
Rank in New Mexico 127 of 147 1 = most affordable
New Mexico 112.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% New Mexico lenders
Median home value $220,800 U.S. Census Bureau

Cliff is 10.4 points below the New Mexico score. Scores as of October 30, 2026. See the New Mexico index

View Cliff Mortgage Rates

What It Takes to Buy in Cliff

$1,206/mo
Principal & Interest
Median home, 20% down, 7.26%
$51,700
Income Needed
To keep the payment at 28% of income
$47,969
Median Household Income
New Mexico: $64,059
4.6x
Price-to-Income Ratio
New Mexico: 3.9x
$769/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,467/yr
Median Property Tax
New Mexico figure
43.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cliff, New Mexico. The rate is the New Mexico average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Cliff Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cliff, New Mexico score: 101.6 (Near National Average), ranked 127 of 147 New Mexico cities. monitorbankrates.com/housing-affordability-index/new-mexico/cliff”