The typical owner-occupied home in Mescalero is worth about $43,300, 83% below the New Mexico median of $248,100 and 87% below the national median of $332,700. The median household earns $24,313 a year, so the median home costs 1.8 times the median income (3.9 times for New Mexico). 72% of occupied homes here are lived in by their owners, and 2% of those owners still have a mortgage.
Mescalero at a glance
| Mescalero | New Mexico | U.S. | |
|---|---|---|---|
| Median home value | $43,300 | $248,100 | $332,700 |
| Median property tax paid per year | – | $1,731 | $3,119 |
| Median household income | $24,313 | $64,059 | $80,734 |
| Homes lived in by their owners | 72% | 70% | 65% |
| Owner homes with a mortgage | 2% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,564 | $1,963 |
| Median rent | $260 | $1,067 | $1,413 |
| Rent as a share of renters' income | 18.6% | 30.1% | 30.6% |
| Median year homes were built | 1978 | 1985 | 1980 |
| Vacant homes | 23.2% | 12.5% | 10.1% |
| Population | 832 | 2,120,246 | 334,922,499 |
What a typical home costs per month in Mescalero
At this week's average 30-year rate of 7.11%, buying the median Mescalero home of $43,300 with 20% down costs about $291 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $363, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $12,461 for the 20%-down payment. That payment is 14% of the median Mescalero household income of $24,313; at that income and 20% down, the 28% guideline points to a home of about $84,000.
The median rent here is $260 a month, so owning the median home costs about $31 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $8,660 |
|---|---|
| Loan amount | $34,640 |
| Principal and interest | $233 |
| Property taxes (1.10% a year) | $40 |
| Homeowners insurance (our estimate, 0.5% a year) | $18 |
| PMI | $0 |
| Total per month | $291 |
Change the numbers in the calculator
| Down payment | $1,516 |
|---|---|
| Loan amount | $42,516 |
| Principal and interest | $286 |
| Property taxes (1.10% a year) | $40 |
| Homeowners insurance (our estimate, 0.5% a year) | $18 |
| FHA mortgage insurance | $19 |
| Total per month | $363 |
Change the numbers in the calculator
Questions about home buying in Mescalero
What is the median home value in Mescalero?
About $43,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Mescalero?
For the median home with 20% down at 7.11%, the payment is about $291 a month. Keeping that under 28% of gross income takes about $12,461 a year.
More about Mescalero
- Mortgage Refinance in Mescalero
- Debt Relief in Mescalero
- Home Equity Loans in Mescalero
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data