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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

Los Ranchos de Albuquerque, NM Housing Affordability Index

Los Ranchos de Albuquerque, New Mexico has an MBR Housing Affordability Index score of 73.4 (Moderately Less Affordable) as of October 30, 2026, ranking 144th most affordable of 147 scored New Mexico cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $492,400 home with 20% down, the New Mexico average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $2,689, or 44% of the city’s $72,992 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Los Ranchos de Albuquerque 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.

Los Ranchos de Albuquerque MBR-HAI 73.4 Moderately Less Affordable
Rank in New Mexico 144 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 $492,400 U.S. Census Bureau

Los Ranchos de Albuquerque is 38.6 points below the New Mexico score. Scores as of October 30, 2026. See the New Mexico index

View Los Ranchos de Albuquerque Mortgage Rates

What It Takes to Buy in Los Ranchos de Albuquerque

$2,689/mo
Principal & Interest
Median home, 20% down, 7.26%
$115,200
Income Needed
To keep the payment at 28% of income
$72,992
Median Household Income
New Mexico: $64,059
6.7x
Price-to-Income Ratio
New Mexico: 3.9x
$1,526/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,945/yr
Median Property Tax
0.80% of median value
35.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
72.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Los Ranchos de Albuquerque Ranks in New Mexico

Cities with similar scores
#141Santa Fe85.4 #142Arroyo Seco80.8 #143Taos77.3
#144Los Ranchos de Albuquerque73.4
#145Tesuque72.4 #146Navajo Dam64.0 #147Red River62.2
Least affordable in New Mexico
#143Taos77.3
#144Los Ranchos de Albuquerque73.4
#145Tesuque72.4 #146Navajo Dam64.0 #147Red River62.2
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Cite the Los Ranchos de Albuquerque Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Los Ranchos de Albuquerque, New Mexico score: 73.4 (Moderately Less Affordable), ranked 144 of 147 New Mexico cities. monitorbankrates.com/housing-affordability-index/new-mexico/los-ranchos-de-albuquerque”