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City · 5,864 residents · McKinley County, New Mexico

Zuni Pueblo , New Mexico

In Zuni Pueblo, a typical home is worth $81,700. Compared with all of McKinley County, the share of households that own their home is 23 points higher.

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  • Typical home value

    $81,700

    4% above the county

    67% below New Mexico

    • Zuni Pueblo
    • McKinley
    • New Mexico

  • Typical household income

    $45,724a year

    4% below the county

    29% below New Mexico

    • Zuni Pueblo
    • McKinley
    • New Mexico

  • Households that own their home

    93%

    23 points above the county

    23 points above New Mexico

    • Zuni Pueblo
    • McKinley
    • New Mexico

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

Zuni Pueblo is in McKinley 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 McKinley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Zuni Pueblo apart

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

  1. Zuni Pueblo has the 2nd lowest typical home value of the 46 cities in New Mexico with more than 5,000 people ($81,700).

  2. 93% of households in Zuni Pueblo own their home, against 70% in McKinley County.

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

The homes here

Housing in Zuni Pueblo

What homes there are in Zuni Pueblo, 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 Zuni Pueblo, 6 in 10 homes are single-family detached houses, about the same as in McKinley County.

Year built

In Zuni Pueblo, half of the homes were built before 1980; in McKinley County, before 1985.

Homes in Zuni Pueblo are bigger: 77% have 3 bedrooms or more; in McKinley County, 58%.

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

$991 a month

McKinley County: $1,319 a month

Without a mortgage

$248 a month

McKinley County: $288 a month

Owners with a mortgage

9%

McKinley County: 20%

Owning costs less in Zuni Pueblo: with a mortgage, the typical cost is $991 a month; in McKinley County, $1,319. Without one, $248.

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 Census does not compare Zuni Pueblo with 2015–2019 because its boundaries changed. In McKinley County, over that time, the typical home value rose 22%.

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

MeasureZuni PuebloMcKinley CountyNew MexicoUnited States
Rental vacancy Unreliable estimate2.3%5.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 10.5%11.1%3.3%3.4%
People per household 3.723.252.482.53
Drive alone 71%80%74%69%
Carpool 5%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%9%12%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

In Zuni Pueblo, 10.5% of households live with more than one person per room, about the same as in McKinley County.

More people live in each home here: 3.72 on average, against 3.25 in McKinley County.

In Zuni Pueblo, 19% of workers work from home, more than in McKinley County (9%).

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 Zuni Pueblo?

A typical home is within reach of the typical income

We start with a typical home in Zuni Pueblo, worth $81,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 16% of the typical household income in Zuni Pueblo, which is $45,724 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Zuni Pueblo. 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 $2,860 (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

$750

at 7.18% · 30 years

Loan amount
$80,220
Total interest
$115,417
Paid off in
November 2056

Includes $1,380 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,067 a month

    Your payment · 20%

  • Tight

    $1,067 to $1,372 a month

  • Hard

    more than $1,372 a month

Compared with the typical household income in Zuni Pueblo ($45,724 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$750
Principal & interest$543
Property tax$136
Home insurance$34
FHA mortgage insurance (MIP)$36

You need at least $2,860 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

Zuni Pueblo and McKinley County

Zuni Pueblo is in McKinley 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).

Zuni Pueblo's own numbers

Typical home value
$81,700
Typical yearly household income
$45,724
Households that own their home
93%

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

Numbers for all of McKinley County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,140
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
2.1%

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 McKinley County.

Everything about McKinley County

Buying

Buying a home in Zuni Pueblo

A typical home in Zuni Pueblo is worth $81,700: 4% above the county and 67% below New Mexico. With the typical household income in Zuni Pueblo ($45,724 a year), a typical home costs 1.8 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.

  • Zuni Pueblo 1.8 years
  • McKinley 1.7 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McKinley County

According to FHFA’s house price index, home prices in McKinley County rose 54% in the 10 years through 2025.

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

Period County New Mexico U.S.
Last year (2025) +5.0% +3.1% +2.9%
5 years (2020–2025) +38% +50% +47%
10 years (2015–2025) +54% +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

Zuni Pueblo next to McKinley 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
  • Zuni Pueblo $81,700
  • McKinley $78,700
  • New Mexico $248,100
  • United States $332,700
Typical yearly household income
  • Zuni Pueblo $45,724
  • McKinley $47,668
  • New Mexico $64,059
  • United States $80,734
See the full table
Zuni Pueblo next to McKinley County and New Mexico
Measure Zuni Pueblo McKinley County New Mexico U.S.
Typical home value $81,700 $78,700 $248,100 $332,700
Typical yearly household income $45,724 $47,668 $64,059 $80,734
Households that own their home 93% 70% 70% 65%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McKinley 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 Zuni Pueblo

For a typical $81,700 home in Zuni Pueblo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Zuni Pueblo's rate.

  • FHA, 3.5% down $614a month

    Least cash to close
    Down payment
    $2,860
    Cash to close
    $5,311
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $36

  • Conventional, 5% down $599a month

    Down payment
    $4,085
    Cash to close
    $6,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $39

  • Conventional, 20% down, no PMI $477a month

    Down payment
    $16,340
    Cash to close
    $18,791
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $552a month

    Down payment
    $12,255
    Cash to close
    $14,706
    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 Zuni Pueblo and for McKinley County.

Property tax

Data not available for this place

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 McKinley County

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

Homes in the high-risk zone
2.1%
429
Of those, with NFIP insurance
3.7%
County New Mexico U.S.
Homes in the high-risk zone 2.1% 5.7% 3.5%
Of those, with NFIP insurance 3.7% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Zuni Pueblo

The Census Bureau publishes no typical rent for Zuni Pueblo. Below are the fair market rents for McKinley County.

HUD publishes a fair market rent for all of McKinley County, by unit size. To pay the 2-bedroom one ($1,140 a month) without spending more than 30% of your income, you would need to earn $21.92 an hour working full time.

HUD fair market rent for all of McKinley 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 $794 $15.27 $31,760
1 bedroom $911 $17.52 $36,440
2 bedrooms $1,140 $21.92 $45,600
3 bedrooms $1,358 $26.12 $54,320
4 bedrooms $1,498 $28.81 $59,920

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 Zuni Pueblo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zuni Pueblo is in ZIP code 87327.

For 2 bedrooms it is $1,010: $130 less than the fair market rent for McKinley County ($1,140).

  • 87327 $1,010$1,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zuni Pueblo 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 Zuni Pueblo

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Zuni Pueblo

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

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

  • Tiwa Lending Services

    117A Tribal Road 40, Isleta · 123 miles away

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

  • Homewise, Inc.

    500 2nd St. SW, Albuquerque · 125 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

  • United South Broadway Corporation

    1500 Walter St SE, Albuquerque · 125 miles away

    • Mortgage delinquency and default
    (505) 764-8867

All counseling agencies in New Mexico

Help in Spanish near Zuni Pueblo

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 Zuni Pueblo

In HUD’s record, no housing authority with an office in McKinley County is named for Zuni Pueblo or McKinley County.

One other authority has an office in McKinley County: see the list Source: HUD

Cities

Other cities in McKinley County

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

Everything about McKinley County Housing in New Mexico

Nearby cities

The cities closest to Zuni Pueblo, with the typical home value.

Neighboring counties

If McKinley 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 Zuni Pueblo.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Zuni Pueblo

Short answers with the numbers for Zuni Pueblo and all of McKinley 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 Zuni Pueblo?

The typical home value in Zuni Pueblo is $81,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McKinley County it is $78,700.

What is the FHA loan limit in Zuni Pueblo?

Zuni Pueblo uses the FHA limit for all of McKinley County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

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

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