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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

Vaughn, NM Housing Affordability Index

Vaughn, New Mexico has an MBR Housing Affordability Index score of 284.9 (Highly Affordable) as of October 30, 2026, ranking 4th most affordable of 147 scored New Mexico cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $34,300 home with 20% down, the New Mexico average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $187, or 8% of the city’s $29,135 median household income.

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

Vaughn MBR-HAI 284.9 Highly Affordable
Rank in New Mexico 4 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 $34,300 U.S. Census Bureau

Vaughn is 172.8 points above the New Mexico score. Scores as of October 30, 2026. See the New Mexico index

View Vaughn Mortgage Rates

What It Takes to Buy in Vaughn

$187/mo
Principal & Interest
Median home, 20% down, 7.26%
$8,000
Income Needed
To keep the payment at 28% of income
$29,135
Median Household Income
New Mexico: $64,059
1.2x
Price-to-Income Ratio
New Mexico: 3.9x
$395/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$364/yr
Median Property Tax
1.06% of median value
22.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Vaughn Ranks in New Mexico

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Cite the Vaughn Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Vaughn, New Mexico score: 284.9 (Highly Affordable), ranked 4 of 147 New Mexico cities. monitorbankrates.com/housing-affordability-index/new-mexico/vaughn”