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City · 6,150 residents · San Juan County, New Mexico

Aztec , New Mexico

In Aztec, a typical home is worth $175,000 and typical rent is $629 a month. Compared with all of San Juan County, typical rent is 34% lower, typical household income is 25% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $175,000

    10% below the county

    29% below New Mexico

    • Aztec
    • San Juan
    • New Mexico

  • Typical rent

    $629a month

    34% below the county

    41% below New Mexico

    • Aztec
    • San Juan
    • New Mexico

  • Typical household income

    $41,977a year

    25% below the county

    34% below New Mexico

    • Aztec
    • San Juan
    • New Mexico

  • Households that own their home

    63%

    8 points below the county

    7 points below New Mexico

    • Aztec
    • San Juan
    • New Mexico

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$272,510
5.9% more than 12 months ago
Typical rent
$1,481 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Aztec is in San Juan 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 San Juan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Aztec apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Shiprock, the typical home value is $104,400: 40% less than in Aztec ($175,000).

  2. The typical rent in Aztec is $629 a month, 34% less than in San Juan County as a whole ($956).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Aztec rose 5.9%; in New Mexico, it rose 1.7%.

  4. The typical household income in Aztec is $41,977, 25% less than in San Juan County as a whole ($55,872).

  5. 63% of households in Aztec own their home, against 71% in San Juan County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Aztec

What homes there are in Aztec, 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 houses are the majority in Aztec (52%), but less so than in San Juan County (57%).

Year built

In Aztec, half of the homes were built before 1978; in San Juan County, before 1986.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Aztec sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for San Juan County is $1,116; about 83% of rents in Aztec are below it.

With a mortgage

$1,260 a month

San Juan County: $1,499 a month

Without a mortgage

$476 a month

San Juan County: $453 a month

Owners with a mortgage

51%

San Juan County: 44%

The typical cost for an owner with a mortgage in Aztec is $1,260 a month, less than in San Juan County ($1,499); without one, $476.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Aztec did not change clearly: the difference is within the Census margin of error.

Since 2015–2019, the typical rent in Aztec did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAztecSan Juan CountyNew MexicoUnited States
Rental vacancy Unreliable estimate5.4%5.9%5.5%
Homeowner vacancy Unreliable estimate1.8%1.0%0.9%
More than one person per room Unreliable estimate5.8%3.3%3.4%
People per household 2.532.862.482.53
Drive alone 78%83%74%69%
Carpool 12%7%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate6%12%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.53 on average, against 2.86 in San Juan County.

More people carpool to work in Aztec than in San Juan County: 12% against 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Aztec?

A typical home costs more than the typical income allows

We start with a typical home in Aztec, worth $175,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Aztec, which is $41,977 a year. For that payment to be 28% of income, a household would need to earn about $61,080 a year.

The calculator's FHA and conventional loan limits are those of all of San Juan County.

Your numbers

Local data
$

Starts at the typical home value in Aztec. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,125 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,425

at 7.18% · 30 years

Loan amount
$171,830
Total interest
$247,224
Paid off in
November 2056

Includes $2,955 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $979 a month

  • Tight

    $979 to $1,259 a month

  • Hard

    more than $1,259 a month

    Your payment · 41%

Compared with the typical household income in Aztec ($41,977 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,425
Principal & interest$1,164
Property tax$111
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,125 for the down payment, plus closing costs.

Next step

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.

The city and its county

Aztec and San Juan County

Aztec is in San Juan 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).

Aztec's own numbers

Typical home value
$175,000
Typical monthly rent
$629
Typical yearly household income
$41,977
Households that own their home
63%
Effective property tax rate
0.76%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of San Juan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,116
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
3.2%

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 San Juan County.

Everything about San Juan County

Buying

Buying a home in Aztec

A typical home in Aztec is worth $175,000: 10% below the county and 29% below New Mexico. With the typical household income in Aztec ($41,977 a year), a typical home costs 4.2 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.

  • Aztec 4.2 years
  • San Juan 3.5 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Juan County

According to FHFA’s house price index, home prices in San Juan County rose 57% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of San Juan County.

Period County New Mexico U.S.
Last year (2025) +6.2% +3.1% +2.9%
5 years (2020–2025) +51% +50% +47%
10 years (2015–2025) +57% +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

Aztec next to San Juan 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
  • Aztec $175,000
  • San Juan $193,800
  • New Mexico $248,100
  • United States $332,700
Typical monthly rent
  • Aztec $629
  • San Juan $956
  • New Mexico $1,067
  • United States $1,413
Typical yearly household income
  • Aztec $41,977
  • San Juan $55,872
  • New Mexico $64,059
  • United States $80,734
See the full table
Aztec next to San Juan County and New Mexico
Measure Aztec San Juan County New Mexico U.S.
Typical home value $175,000 $193,800 $248,100 $332,700
Typical monthly rent $629 $956 $1,067 $1,413
Typical yearly household income $41,977 $55,872 $64,059 $80,734
Households that own their home 63% 71% 70% 65%
Typical yearly property tax $1,338 $1,317 $1,731 $3,119
Effective property tax rate 0.76% 0.68% 0.7% 0.94%
Renters with high rent for their income 60% 42% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Juan 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 Aztec

For a typical $175,000 home in Aztec, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aztec's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,425a month

    Least cash to close
    Down payment
    $6,125
    Cash to close
    $11,375
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,393a month

    Down payment
    $8,750
    Cash to close
    $14,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,132a month

    Down payment
    $35,000
    Cash to close
    $40,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,294a month

    Down payment
    $26,250
    Cash to close
    $31,500
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Aztec and for San Juan County.

Property tax

Effective rate in Aztec

0.76%of the home’s value each year

$1,338 a year for the typical owner in Aztec.

  • Aztec 0.76%
  • San Juan 0.68%
  • New Mexico 0.7%

What New Mexico publishes 3 percent cap on the yearly increase in your home's taxable value (New Mexico Legislative Finance Committee ("Property Taxes in New Mexico" brief))

Exemptions and deadlines in New Mexico

Flood risk in San Juan County

FEMA does not publish these numbers by city: they are for all of San Juan County.

Homes in the high-risk zone
3.2%
1,466
Of those, with NFIP insurance
6.2%
County New Mexico U.S.
Homes in the high-risk zone 3.2% 5.7% 3.5%
Of those, with NFIP insurance 6.2% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Aztec

Typical rent in Aztec is $629 a month: 34% below the county. In Aztec, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Juan County, by unit size. To pay the 2-bedroom one ($1,116 a month) without spending more than 30% of your income, you would need to earn $21.46 an hour working full time.

HUD fair market rent for all of San Juan County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $850 $16.35 $34,000
1 bedroom $855 $16.44 $34,200
2 bedrooms $1,116 $21.46 $44,640
3 bedrooms $1,545 $29.71 $61,800
4 bedrooms $1,673 $32.17 $66,920

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 Aztec

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aztec is in ZIP code 87410.

For 2 bedrooms it is $1,010: $106 less than the fair market rent for San Juan County ($1,116).

  • 87410 $1,010$1,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aztec 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Aztec

HUD lists 2 buildings with rents for lower incomes in Aztec. These are the largest.

  • Aztec Properties I 401 S Park Ave, Aztec 87410 30 low-income homes · In service since 1993
  • Aztec Properties II 401 S Park Ave, Aztec 87410 30 homes

See all 15 buildings in San Juan County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Aztec

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 San Juan County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Aztec

No down payment, repair or rent-help program on our list is for Aztec or San Juan County. The ones below are statewide in New Mexico: they work in Aztec the same as in the rest of the state.

Which programs do I qualify for? All programs in New Mexico

  • FirstDown

    Statewide in New Mexico

    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).

    Repayable

    See the program Official page

  • HomeNow

    Statewide in New Mexico

    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).

    Forgivable

    See the program Official page

  • FirstDown Plus

    Statewide in New Mexico

    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).

    Repayable

    See the program Official page

Housing counselors near Aztec

The HUD-approved agencies closest to the center of Aztec, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Homewise, Inc.

    1301 Siler Rd, Santa Fe · 136 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    (505) 983-9473

  • Southwest Neighborhood Housing Services, Inc.

    6301 4th St NW Ste 5, Los Ranchos · 137 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (505) 243-5511

  • Homewise, Inc.

    500 2nd St. SW, Albuquerque · 141 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    (505) 243-6566

All counseling agencies in New Mexico

Help in Spanish near Aztec

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Aztec

HUD’s record names them for Aztec or San Juan County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of San Juan Section 8 vouchers (505) 334-4545

All housing agencies in New Mexico Source: HUD

Cities

Other cities in San Juan County

These cities are also in San Juan County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about San Juan County Housing in New Mexico

Nearby cities

The cities closest to Aztec, with the typical home value.

Neighboring counties

If San Juan County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Aztec.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Aztec

Short answers with the numbers for Aztec and all of San Juan 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 Aztec?

The typical home value in Aztec is $175,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Juan County it is $193,800.

How much does it cost to rent in Aztec?

Typical rent in Aztec is $629 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Juan County is $1,116.

What is the FHA loan limit in Aztec?

Aztec uses the FHA limit for all of San Juan 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 Aztec?

The typical homeowner in Aztec pays $1,338 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in San Juan County, the rate is 0.68%.

Where can I find free help to buy or rent in Aztec?

We found no HUD-approved counseling agencies with an office in San Juan County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).