Santa Fe County, New Mexico Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Santa Fe County, New Mexico.
2026 Loan Limits in Santa Fe County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $832,750 | $569,250 |
| 2 Units | $1,066,250 | $728,750 |
| 3 Units | $1,288,800 | $880,900 |
| 4 Units | $1,601,750 | $1,094,700 |
Affordability Snapshot - Santa Fe County, New Mexico
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Santa Fe County
Jump into ZIP-level market pages for this county.