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City · 18,186 residents · Doña Ana County, New Mexico

Chaparral , New Mexico

In Chaparral, a typical home is worth $109,300 and typical rent is $853 a month. Compared with all of Doña Ana County, the typical home value is 50% lower and typical household income is 19% lower.

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  • Typical home value

    $109,300

    50% below the county

    56% below New Mexico

    • Chaparral
    • Doña Ana
    • New Mexico

  • Typical rent

    $853a month

    9% below the county

    20% below New Mexico

    • Chaparral
    • Doña Ana
    • New Mexico

  • Typical household income

    $46,017a year

    19% below the county

    28% below New Mexico

    • Chaparral
    • Doña Ana
    • New Mexico

  • Households that own their home

    69%

    4 points above the county

    1 points below New Mexico

    • Chaparral
    • Doña Ana
    • New Mexico

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

Market now, with Zillow data

Zillow data
Typical home value
$216,788
1.7% less than 12 months ago

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

Chaparral is in Doña Ana 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 Doña Ana County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chaparral apart

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

  1. The typical home in Chaparral is worth $109,300, 50% less than in Doña Ana County as a whole ($220,800).

  2. Nearby, in Anthony, the typical rent is $561: 34% less than in Chaparral ($853).

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

  4. The typical household income in Chaparral is $46,017, 19% less than in Doña Ana County as a whole ($56,848).

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

The homes here

Housing in Chaparral

What homes there are in Chaparral, 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

In Chaparral there is a bit of everything: no kind of home reaches half. The most common are mobile homes (67%), more than in Doña Ana County (19%).

Year built

By age, homes in Chaparral look like those in Doña Ana County: the typical year built is 1994.

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

At least 97% of owner-occupied homes in Chaparral are worth less than $500,000, below the FHA loan limit for Doña Ana County ($541,287).

Monthly rent with utilities

With a mortgage

$1,104 a month

Doña Ana County: $1,442 a month

Without a mortgage

$337 a month

Doña Ana County: $416 a month

Owners with a mortgage

35%

Doña Ana County: 51%

The typical cost for an owner with a mortgage in Chaparral is $1,104 a month, less than in Doña Ana County ($1,442); without one, $337.

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

The typical home value in Chaparral rose 40% since 2015–2019, less than in Doña Ana County (50%).

Rents in Chaparral rose faster than in Doña Ana County: 33% since 2015–2019, against 24%.

Income in Chaparral grew faster than housing: it rose 87%, while home values changed +40% and rent +33%.

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

MeasureChaparralDoña Ana CountyNew MexicoUnited States
Rental vacancy Unreliable estimate4.1%5.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 12.7%4.2%3.3%3.4%
People per household 3.592.582.482.53
Drive alone 84%75%74%69%
Carpool 9%11%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 5%10%12%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

More than one person per room: that is how 12.7% of households in Chaparral live, more than in Doña Ana County (4.2%).

More people live in each home here: 3.59 on average, against 2.58 in Doña Ana County.

To get to work, 84% of workers in Chaparral drive alone; in Doña Ana County, 75%.

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 Chaparral?

A typical home is within reach of the typical income

We start with a typical home in Chaparral, worth $109,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Chaparral, which is $46,017 a year.

The calculator's FHA and conventional loan limits are those of all of Doña Ana County.

Your numbers

Local data
$

Starts at the typical home value in Chaparral. 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 $3,826 (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

$870

at 7.18% · 30 years

Loan amount
$107,320
Total interest
$154,408
Paid off in
November 2056

Includes $1,846 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,074 a month

    Your payment · 23%

  • Tight

    $1,074 to $1,381 a month

  • Hard

    more than $1,381 a month

Compared with the typical household income in Chaparral ($46,017 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$870
Principal & interest$727
Property tax$49
Home insurance$46
FHA mortgage insurance (MIP)$48

You need at least $3,826 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

Chaparral and Doña Ana County

Chaparral is in Doña Ana 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).

Chaparral's own numbers

Typical home value
$109,300
Typical monthly rent
$853
Typical yearly household income
$46,017
Households that own their home
69%
Effective property tax rate
0.54%

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

Numbers for all of Doña Ana County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,073
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
5.6%

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 Doña Ana County.

Everything about Doña Ana County

Buying

Buying a home in Chaparral

A typical home in Chaparral is worth $109,300: 50% below the county and 56% below New Mexico. With the typical household income in Chaparral ($46,017 a year), a typical home costs 2.4 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.

  • Chaparral 2.4 years
  • Doña Ana 3.9 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Doña Ana County

According to FHFA’s house price index, home prices in Doña Ana County rose 80% in the 10 years through 2025.

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

Period County New Mexico U.S.
Last year (2025) +1.9% +3.1% +2.9%
5 years (2020–2025) +51% +50% +47%
10 years (2015–2025) +80% +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

Chaparral next to Doña Ana 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
  • Chaparral $109,300
  • Doña Ana $220,800
  • New Mexico $248,100
  • United States $332,700
Typical monthly rent
  • Chaparral $853
  • Doña Ana $934
  • New Mexico $1,067
  • United States $1,413
Typical yearly household income
  • Chaparral $46,017
  • Doña Ana $56,848
  • New Mexico $64,059
  • United States $80,734
See the full table
Chaparral next to Doña Ana County and New Mexico
Measure Chaparral Doña Ana County New Mexico U.S.
Typical home value $109,300 $220,800 $248,100 $332,700
Typical monthly rent $853 $934 $1,067 $1,413
Typical yearly household income $46,017 $56,848 $64,059 $80,734
Households that own their home 69% 65% 70% 65%
Typical yearly property tax $588 $1,480 $1,731 $3,119
Effective property tax rate 0.54% 0.67% 0.7% 0.94%
Renters with high rent for their income 41% 54% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Doña Ana 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 Chaparral

For a typical $109,300 home in Chaparral, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chaparral's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $870a month

    Least cash to close
    Down payment
    $3,826
    Cash to close
    $7,105
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $48

  • Conventional, 5% down $850a month

    Down payment
    $5,465
    Cash to close
    $8,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $52

  • Conventional, 20% down, no PMI $687a month

    Down payment
    $21,860
    Cash to close
    $25,139
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $788a month

    Down payment
    $16,395
    Cash to close
    $19,674
    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 Chaparral and for Doña Ana County.

Property tax

Effective rate in Chaparral

0.54%of the home’s value each year

$588 a year for the typical owner in Chaparral.

  • Chaparral 0.54%
  • Doña Ana 0.67%
  • 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 Doña Ana County

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

Homes in the high-risk zone
5.6%
4,258
Of those, with NFIP insurance
16%
County New Mexico U.S.
Homes in the high-risk zone 5.6% 5.7% 3.5%
Of those, with NFIP insurance 16% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chaparral

Typical rent in Chaparral is $853 a month: 9% below the county. In Chaparral, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Doña Ana County, by unit size. To pay the 2-bedroom one ($1,073 a month) without spending more than 30% of your income, you would need to earn $20.63 an hour working full time.

HUD fair market rent for all of Doña Ana 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 $790 $15.19 $31,600
1 bedroom $975 $18.75 $39,000
2 bedrooms $1,073 $20.63 $42,920
3 bedrooms $1,461 $28.10 $58,440
4 bedrooms $1,692 $32.54 $67,680

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 Chaparral

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chaparral is in ZIP code 88081.

For 2 bedrooms it is $1,010: $63 less than the fair market rent for Doña Ana County ($1,073).

  • 88081 $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 Chaparral 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?

Free help

Help to buy or rent in Chaparral

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.

There is 1 HUD-approved agency with an office in Doña Ana County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Chaparral

No down payment, repair or rent-help program on our list is for Chaparral or Doña Ana County. The ones below are statewide in New Mexico: they work in Chaparral 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 Chaparral

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

  • Tierra del Sol Housing

    210 E Idaho Ave, Las Cruces · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (575) 541-0477

  • Tiwa Lending Services

    117A Tribal Road 40, Isleta · 198 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (505) 916-0556

  • United South Broadway Corporation

    1500 Walter St SE, Albuquerque · 209 miles away

    • Mortgage delinquency and default
    (505) 764-8867

Every agency in Doña Ana County All counseling agencies in New Mexico

Help in Spanish near Chaparral

1 of the 3 agencies on this list says it serves 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 Chaparral

In HUD’s record, no housing authority with an office in Doña Ana County is named for Chaparral or Doña Ana County.

2 other authorities have an office in Doña Ana County: see the list Source: HUD

Cities

Other cities in Doña Ana County

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

Everything about Doña Ana County Housing in New Mexico

Nearby cities

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

Neighboring counties

If Doña Ana 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 Chaparral.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Chaparral

Short answers with the numbers for Chaparral and all of Doña Ana 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 Chaparral?

The typical home value in Chaparral is $109,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Doña Ana County it is $220,800.

How much does it cost to rent in Chaparral?

Typical rent in Chaparral is $853 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Doña Ana County is $1,073.

What is the FHA loan limit in Chaparral?

Chaparral uses the FHA limit for all of Doña Ana 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 Chaparral?

The typical homeowner in Chaparral pays $588 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Doña Ana County, the rate is 0.67%.

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

There is 1 HUD-approved counseling agency with an office in Doña Ana County. 1 says it serves in Spanish. 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).