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City · 5,716 residents · Los Alamos County, New Mexico

White Rock , New Mexico

In White Rock, a typical home is worth $500,700. Compared with all of Los Alamos County, typical household income is 6% higher and the share of households that own their home is 23 points higher.

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  • Typical home value

    $500,700

    About the same as the county

    102% above New Mexico

    • White Rock
    • Los Alamos
    • New Mexico

  • Typical household income

    $156,639a year

    6% above the county

    145% above New Mexico

    • White Rock
    • Los Alamos
    • New Mexico

  • Households that own their home

    98%

    23 points above the county

    28 points above New Mexico

    • White Rock
    • Los Alamos
    • New Mexico

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

White Rock is in Los Alamos County. The FHA loan limit ($692,300 for a one-unit home), the fair market rents and the help on this page are those of all of Los Alamos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets White Rock apart

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

  1. White Rock has the highest homeownership rate of the 46 cities in New Mexico with more than 5,000 people: 98%.

  2. White Rock has the highest typical household income of the 46 cities in New Mexico with more than 5,000 people: $156,639.

  3. Nearby, in Española, the typical home value is $210,800: 58% less than in White Rock ($500,700).

  4. White Rock has the 4th highest typical home value of the 46 cities in New Mexico with more than 5,000 people ($500,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in White Rock

What homes there are in White Rock, 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

The detached house rules in White Rock: 96% of homes, more than in Los Alamos County (62%).

Year built

By age, homes in White Rock look like those in Los Alamos County: the typical year built is 1973.

In White Rock, 88% of homes have 3 bedrooms or more, more than in Los Alamos County (69%).

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
Monthly rent with utilities

With a mortgage

$2,487 a month

Los Alamos County: $2,315 a month

Without a mortgage

$582 a month

Los Alamos County: $629 a month

Owners with a mortgage

66%

Los Alamos County: 66%

In White Rock, 66% of owners have a mortgage, and their typical cost is $2,487 a month, against $2,315 in Los Alamos County. Without one it drops to $582.

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, home values in White Rock rose at about the same pace as in Los Alamos County: 66% against 64%.

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

MeasureWhite RockLos Alamos CountyNew MexicoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room Unreliable estimateUnreliable estimate3.3%3.4%
People per household 2.792.352.482.53
Drive alone 75%72%74%69%
Carpool 11%7%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 13%16%12%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.79 on average, against 2.35 in Los Alamos County.

Carpooling is common in White Rock: 11% of workers get to work that way, against 7% in Los Alamos County.

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 White Rock?

A typical home is tight for the typical income

We start with a typical home in White Rock, worth $500,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in White Rock, which is $156,639 a year. For that payment to be 28% of income, a household would need to earn about $170,823 a year.

The calculator's FHA and conventional loan limits are those of all of Los Alamos County.

Your numbers

Local data
$

Starts at the typical home value in White Rock. 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 $17,525 (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

$3,986

at 7.18% · 30 years

Loan amount
$491,631
Total interest
$707,341
Paid off in
November 2056

Includes $8,456 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,655 a month

  • Tight

    $3,655 to $4,699 a month

    Your payment · 31%

  • Hard

    more than $4,699 a month

Compared with the typical household income in White Rock ($156,639 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,986
Principal & interest$3,330
Property tax$225
Home insurance$209
FHA mortgage insurance (MIP)$221

You need at least $17,525 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

White Rock and Los Alamos County

White Rock is in Los Alamos 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).

White Rock's own numbers

Typical home value
$500,700
Typical yearly household income
$156,639
Households that own their home
98%
Effective property tax rate
0.54%

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

Numbers for all of Los Alamos County

FHA limit, one-unit home
$692,300
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,874
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0%

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 Los Alamos County.

Everything about Los Alamos County

Buying

Buying a home in White Rock

A typical home in White Rock is worth $500,700: about the same as the county and 102% above New Mexico. With the typical household income in White Rock ($156,639 a year), a typical home costs 3.2 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.

  • White Rock 3.2 years
  • Los Alamos 3.4 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Los Alamos County

According to FHFA’s house price index, home prices in Los Alamos County rose 127% in the 10 years through 2025.

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

Period County New Mexico U.S.
Last year (2025) −2.9% +3.1% +2.9%
5 years (2020–2025) +54% +50% +47%
10 years (2015–2025) +127% +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

White Rock next to Los Alamos 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
  • White Rock $500,700
  • Los Alamos $495,800
  • New Mexico $248,100
  • United States $332,700
Typical yearly household income
  • White Rock $156,639
  • Los Alamos $147,139
  • New Mexico $64,059
  • United States $80,734
See the full table
White Rock next to Los Alamos County and New Mexico
Measure White Rock Los Alamos County New Mexico U.S.
Typical home value $500,700 $495,800 $248,100 $332,700
Typical yearly household income $156,639 $147,139 $64,059 $80,734
Households that own their home 98% 75% 70% 65%
Typical yearly property tax $2,681 $2,717 $1,731 $3,119
Effective property tax rate 0.54% 0.55% 0.7% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Los Alamos 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 White Rock

For a typical $500,700 home in White Rock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,986a month

    Least cash to close
    Down payment
    $17,525
    Cash to close
    $32,546
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $221

  • Conventional, 5% down $3,894a month

    Down payment
    $25,035
    Cash to close
    $40,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $238

  • Conventional, 20% down, no PMI $3,147a month

    Down payment
    $100,140
    Cash to close
    $115,161
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,610a month

    Down payment
    $75,105
    Cash to close
    $90,126
    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 White Rock and for Los Alamos County.

Property tax

Effective rate in White Rock

0.54%of the home’s value each year

$2,681 a year for the typical owner in White Rock.

  • White Rock 0.54%
  • Los Alamos 0.55%
  • 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 Los Alamos County

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

Homes in the high-risk zone
0%
3
Of those, with NFIP insurance
67%
County New Mexico U.S.
Homes in the high-risk zone 0% 5.7% 3.5%
Of those, with NFIP insurance 67% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in White Rock

The Census Bureau publishes no typical rent for White Rock. Below are the fair market rents for Los Alamos County.

HUD publishes a fair market rent for all of Los Alamos County, by unit size. To pay the 2-bedroom one ($1,874 a month) without spending more than 30% of your income, you would need to earn $36.04 an hour working full time.

HUD fair market rent for all of Los Alamos 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 $1,305 $25.10 $52,200
1 bedroom $1,433 $27.56 $57,320
2 bedrooms $1,874 $36.04 $74,960
3 bedrooms $2,233 $42.94 $89,320
4 bedrooms $3,132 $60.23 $125,280

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 White Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Rock is in ZIP code 87547.

For 2 bedrooms it is $1,710: $164 less than the fair market rent for Los Alamos County ($1,874).

  • 87547 $1,710$2,060

A ZIP code counts for White Rock 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 White Rock

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 Los Alamos County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in White Rock

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

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

  • Homewise, Inc.

    1301 Siler Rd, Santa Fe · 16 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 · 52 miles away

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

  • Homewise, Inc.

    500 2nd St. SW, Albuquerque · 56 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 White Rock

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 White Rock

HUD lists no housing authority with an office in Los Alamos County. One in a neighboring county or the state’s may serve the area.

All housing agencies in New Mexico Source: HUD

Cities

Other cities in Los Alamos County

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

Everything about Los Alamos County Housing in New Mexico

Nearby cities

The cities closest to White Rock, with the typical home value.

Neighboring counties

If Los Alamos 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 White Rock.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about White Rock

Short answers with the numbers for White Rock and all of Los Alamos 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 White Rock?

The typical home value in White Rock is $500,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Los Alamos County it is $495,800.

What is the FHA loan limit in White Rock?

White Rock uses the FHA limit for all of Los Alamos County (2026): $692,300 for a one-unit home and $1,331,350 for a four-unit home.

How much property tax do owners pay in White Rock?

The typical homeowner in White Rock pays $2,681 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Los Alamos County, the rate is 0.55%.

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

We found no HUD-approved counseling agencies with an office in Los Alamos 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).