The typical owner-occupied home in San Cristobal is worth about $385,400, 55% above the New Mexico median of $248,100 and 16% above the national median of $332,700. The median household earns $78,472 a year, so the median home costs 4.9 times the median income (3.9 times for New Mexico). 100% of occupied homes here are lived in by their owners, and 100% of those owners still have a mortgage.
San Cristobal at a glance
| San Cristobal | New Mexico | U.S. | |
|---|---|---|---|
| Median home value | $385,400 | $248,100 | $332,700 |
| Median property tax paid per year | – | $1,731 | $3,119 |
| Median household income | $78,472 | $64,059 | $80,734 |
| Homes lived in by their owners | 100% | 70% | 65% |
| Owner homes with a mortgage | 100% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,553 | $1,564 | $1,963 |
| Those costs as a share of the owners' income | 28.1% | 20.6% | 21.0% |
| Median rent | – | $1,067 | $1,413 |
| Median year homes were built | 2001 | 1985 | 1980 |
| Vacant homes | 38.2% | 12.5% | 10.1% |
| Population | 203 | 2,120,246 | 334,922,499 |
What a typical home costs per month in San Cristobal
At this week's average 30-year rate of 7.11%, buying the median San Cristobal home of $385,400 with 20% down costs about $2,588 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,230, 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 $110,913 for the 20%-down payment. That payment is 40% of the median San Cristobal household income of $78,472; at that income and 20% down, the 28% guideline points to a home of about $273,000.
| Down payment | $77,080 |
|---|---|
| Loan amount | $308,320 |
| Principal and interest | $2,074 |
| Property taxes (1.10% a year) | $353 |
| Homeowners insurance (our estimate, 0.5% a year) | $161 |
| PMI | $0 |
| Total per month | $2,588 |
Change the numbers in the calculator
| Down payment | $13,489 |
|---|---|
| Loan amount | $378,419 |
| Principal and interest | $2,546 |
| Property taxes (1.10% a year) | $353 |
| Homeowners insurance (our estimate, 0.5% a year) | $161 |
| FHA mortgage insurance | $170 |
| Total per month | $3,230 |
Change the numbers in the calculator
Questions about home buying in San Cristobal
What is the median home value in San Cristobal?
About $385,400 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 San Cristobal?
For the median home with 20% down at 7.11%, the payment is about $2,588 a month. Keeping that under 28% of gross income takes about $110,913 a year.
More about San Cristobal
- Mortgage Refinance in San Cristobal
- Debt Relief in San Cristobal
- Home Equity Loans in San Cristobal
- 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