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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

Dulce, NM Housing Affordability Index

Dulce, New Mexico has an MBR Housing Affordability Index score of 253.6 (Highly Affordable) as of October 30, 2026, ranking 8th most affordable of 147 scored New Mexico cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $53,300 home with 20% down, the New Mexico average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $291, or 9% of the city’s $39,773 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Dulce 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.

Dulce MBR-HAI 253.6 Highly Affordable
Rank in New Mexico 8 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 $53,300 U.S. Census Bureau

Dulce is 141.5 points above the New Mexico score. Scores as of October 30, 2026. See the New Mexico index

View Dulce Mortgage Rates

What It Takes to Buy in Dulce

$291/mo
Principal & Interest
Median home, 20% down, 7.26%
$12,500
Income Needed
To keep the payment at 28% of income
$39,773
Median Household Income
New Mexico: $64,059
1.3x
Price-to-Income Ratio
New Mexico: 3.9x
$150/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,467/yr
Median Property Tax
New Mexico figure
40.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
11.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Dulce Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Dulce, New Mexico score: 253.6 (Highly Affordable), ranked 8 of 147 New Mexico cities. monitorbankrates.com/housing-affordability-index/new-mexico/dulce”