In Artesia, a typical home is worth $229,400 and typical rent is $1,288 a month. Compared with all of Eddy County, the typical home value is 8% higher and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $240,992 to $244,689.
Typical rent
$1,550a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Artesia is in Eddy County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Eddy County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Roswell, the typical home value is $152,600: 33% less than in Artesia ($229,400).
2
Nearby, in Roswell, the typical rent is $876: 32% less than in Artesia ($1,288).
3
65% of households in Artesia own their home, against 73% in Eddy County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Artesia
What homes there are in Artesia, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Artesia
Eddy County
New Mexico
United States
Kind of home: Artesia and its comparisons
Measure
Artesia
Eddy County
New Mexico
United States
Detached house
67%
71%
65%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
Unreliable estimate
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
10%
19%
Mobile home
6%
15%
16%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Artesia, 7 in 10 homes are single-family detached houses; in Eddy County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Artesia
Eddy County
New Mexico
United States
Year built: Artesia and its comparisons
Measure
Artesia
Eddy County
New Mexico
United States
Before 1960
25%
26%
17%
26%
1960–1979
25%
24%
26%
24%
1980–1999
16%
23%
32%
25%
2000–2009
12%
8%
16%
14%
2010 or later
23%
19%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K45%
$300K–$500K15%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Artesia and its comparisons
Measure
Artesia
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
45%
$300K–$500K
15%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99932%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Artesia and its comparisons
Measure
Artesia
Under $500
Unreliable estimate
$500–$999
32%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,693 a month
Eddy County: $1,579 a month
Without a mortgage
$396 a month
Eddy County: $425 a month
Owners with a mortgage
54%
Eddy County: 48%
Owning costs more in Artesia: with a mortgage, the typical cost is $1,693 a month; in Eddy County, $1,579. Without one, $396.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Artesia+29%
Eddy County+36%
New Mexico+45%
United States+53%
Typical rent
Artesia+54%
Eddy County+32%
New Mexico+26%
United States+33%
Typical household income
Artesia+45%
Eddy County+20%
New Mexico+29%
United States+29%
Change since 2015–2019: Artesia and its comparisons
Measure
Artesia
Eddy County
New Mexico
United States
Typical home value
+29%
+36%
+45%
+53%
Typical rent
+54%
+32%
+26%
+33%
Typical household income
+45%
+20%
+29%
+29%
The typical home value in Artesia rose 29% since 2015–2019, less than in Eddy County (36%).
Since 2015–2019, the typical rent in Artesia rose 54%, more than in Eddy County (32%).
The typical household income in Artesia rose 45% over that time; home values changed +29% and rent +54%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Artesia and its comparisons
Measure
Artesia
Eddy County
New Mexico
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.9%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
3.1%
3.3%
3.4%
People per household
2.64
2.54
2.48
2.53
Drive alone
77%
80%
74%
69%
Carpool
14%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
8%
7%
12%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
A household in Artesia has 2.64 people on average, about the same as in Eddy County (2.54).
In Artesia, 77% of workers drive alone to work; in Eddy County, 80%.
Do the math
What would you pay each month for a home in Artesia?
A typical home is tight for the typical income
We start with a typical home in Artesia, worth $229,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Artesia, which is $74,915 a year. For that payment to be 28% of income, a household would need to earn about $77,936 a year.
The calculator's FHA and conventional loan limits are those of all of Eddy County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Artesia. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,029 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,819
at 7.18% · 30 years
Loan amount
$225,245
Total interest
$324,075
Paid off in
November 2056
Includes $3,874 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,748 a month
Tight
$1,748 to $2,247 a month
Your payment · 29%
Hard
more than $2,247 a month
Compared with the typical household income in Artesia ($74,915 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,526
Property tax
$96
Home insurance
$96
FHA mortgage insurance (MIP)
$101
You need at least $8,029 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,819; principal and interest $1,526.
The city and its county
Artesia and Eddy County
Artesia is in Eddy County, New Mexico. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Artesia
Map of Eddy County, New Mexico, with Artesia marked. Around it, the neighboring counties.
Artesia
Eddy County
Other cities with a page
Artesia's own numbers
Typical home value
$229,400
Typical monthly rent
$1,288
Typical yearly household income
$74,915
Households that own their home
65%
Effective property tax rate
0.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Eddy County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,252
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
8.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Eddy County.
A typical home in Artesia is worth $229,400: 8% above the county and 8% below New Mexico. With the typical household income in Artesia ($74,915 a year), a typical home costs 3.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Artesia3.1 years
Eddy2.7 years
New Mexico3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Eddy County
According to FHFA’s house price index, home prices in Eddy County rose 63% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Eddy County.
Yearly change in FHFA’s price index in Eddy County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +3.1% +3.1% 2017
2018: +6.8% +6.8% 2018
2019: +8.8% +8.8% 2019
2020: +4.6% +4.6% 2020
2021: +3.9% +3.9% 2021
2022: +5.1% +5.1% 2022
2023: +3.7% +3.7% 2023
2024: +6.3% +6.3% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Eddy County, New Mexico and the United States
Period
County
New Mexico
U.S.
Last year (2025)
+5.4%
+3.1%
+2.9%
5 years (2020–2025)
+27%
+50%
+47%
10 years (2015–2025)
+63%
+82%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Artesia next to Eddy County, New Mexico and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Artesia$229,400
Eddy$212,600
New Mexico$248,100
United States$332,700
Typical monthly rent
Artesia$1,288
Eddy$1,245
New Mexico$1,067
United States$1,413
Typical yearly household income
Artesia$74,915
Eddy$78,426
New Mexico$64,059
United States$80,734
See the full table
Artesia next to Eddy County and New Mexico
Measure
Artesia
Eddy County
New Mexico
U.S.
Typical home value
$229,400 ▲8% above the county
$212,600
$248,100
$332,700
Typical monthly rent
$1,288 ▲3% above the county
$1,245
$1,067
$1,413
Typical yearly household income
$74,915 ▼4% below the county
$78,426
$64,059
$80,734
Households that own their home
65% ▼9 points below the county
73%
70%
65%
Typical yearly property tax
$1,138 ▲4% above the county
$1,095
$1,731
$3,119
Effective property tax rate
0.5% ▼0.02 points below the county
0.52%
0.7%
0.94%
Renters with high rent for their income
49% ▲12 points above the county
36%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Eddy County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Artesia
For a typical $229,400 home in Artesia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Artesia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,819a month
Least cash to close
Down payment
$8,029
Cash to close
$14,911
Rate
7.18%
Mortgage insurance
FHA MIP · $101
Conventional, 5% down$1,776a month
Down payment
$11,470
Cash to close
$18,352
Rate
7.18%
Mortgage insurance
PMI · $109
Conventional, 20% down, no PMI$1,434a month
Down payment
$45,880
Cash to close
$52,762
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,646a month
Down payment
$34,410
Cash to close
$41,292
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Artesia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,819
$8,029
$225,245
7.18%
FHA MIP · $101
$14,911
580
Conventional, 5% down
$1,776
$11,470
$217,930
7.18%
PMI · $109
$18,352
620*
Conventional, 20% down, no PMI
$1,434
$45,880
$183,520
7.18%
None
$52,762
620*
ITIN, 15% down (example)
$1,646
$34,410
$194,990
8.18%
None
$41,292
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Artesia and for Eddy County.
Property tax
Effective rate in Artesia
0.5%of the home’s value each year
$1,138 a year for the typical owner in Artesia.
Artesia0.5%
Eddy0.52%
New Mexico0.7%
What New Mexico publishes3 percent cap on the yearly increase in your home's taxable value (New Mexico Legislative Finance Committee ("Property Taxes in New Mexico" brief))
Typical rent in Artesia is $1,288 a month: 3% above the county. In Artesia, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Eddy County, by unit size. To pay the 2-bedroom one ($1,252 a month) without spending more than 30% of your income, you would need to earn $24.08 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Eddy County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,053
$20.25
$42,120
1 bedroom
$1,150
$22.12
$46,000
2 bedrooms
$1,252
$24.08
$50,080
3 bedrooms
$1,734
$33.35
$69,360
4 bedrooms
$1,855
$35.67
$74,200
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Artesia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Artesia is in ZIP code 88210.
For 2 bedrooms it is $1,170: $82 less than the fair market rent for Eddy County ($1,252).
Fair market rent by ZIP code and size in Artesia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
88210
$980
$1,070
$1,170
$1,620
$1,730
ZIP code2 bd3 bd
88210 $1,170$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Artesia when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Artesia. These are the largest.
Artesia618 N 7th St, Artesia 88210138 low-income homes · Run by Eastern Regional Housing Authority · Average payment: $354 a month · Average wait: 15 months(575) 622-0881
Abo Apartments700 N 10th St, Artesia 8821072 low-income homes · For families(575) 746-2496
Artesia Properties1601 W Centre Ave, Artesia 8821039 low-income homes
Roselawn Apartments1004 S Roselawn Ave, Artesia 8821021 homes, 20 low-income · For older adults(575) 736-1073
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Eddy County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Artesia or Eddy County. The ones below are statewide in New Mexico: they work in Artesia the same as in the rest of the state.
New Mexico state agency fixed-rate second mortgage for the down payment and closing costs of first-time buyers, together with the FirstHome mortgage.Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).
New Mexico state agency fixed $7,000 second mortgage for the down payment and closing costs of low-income first-time buyers; no monthly payments and forgivable after 10 years.Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).
New Mexico state agency fixed $10,000 third loan at 0%, for the down payment only, added to FirstDown or HomeNow; repaid in monthly installments over 15 years.Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).
No legal help resource on our list is for Artesia or Eddy County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Artesia and all of Eddy County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Artesia?
The typical home value in Artesia is $229,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Eddy County it is $212,600.
How much does it cost to rent in Artesia?
Typical rent in Artesia is $1,288 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Eddy County is $1,252.
What is the FHA loan limit in Artesia?
Artesia uses the FHA limit for all of Eddy County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Artesia?
The typical homeowner in Artesia pays $1,138 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Eddy County, the rate is 0.52%.
Where can I find free help to buy or rent in Artesia?
We found no HUD-approved counseling agencies with an office in Eddy County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
