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Single Family ResidentialResidential
$109,869
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

CHAMA, NM 87520
3
Beds
2
Baths
1.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.

Valuation

$110K
$89K low$131K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,240 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$45,391 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,236
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$42,155
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,069
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$136,173

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
39
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
39
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
44
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRIO ARRIBA
Lot (acres)The size of the land the home sits on, from county records.1.16
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Chama Elementary SchoolF
Elementary · Grades PK–5 · 0.9 mi
M
Escalante Middle/High SchoolD-
Middle · Grades 7–12 · 13.5 mi

District: Chama Valley Independent Schools

Neighborhood · ZIP 87520These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.153
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.812
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,881
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,582
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.22 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 94% of homes in Rio Arriba County
  • Newer than 65% of homes in Rio Arriba County

What homes are worth in Chama 87520

Each bar is how many homes fall in that price range. The marker is this home.

This home
$68K$766K

This home is worth more than 14% of homes in Chama 87520.

How it measures up in Chama 87520

The dot is this home. The mark in the middle is the typical home in Chama 87520.

Estimated value$109,869
CheaperTypical $196,339Pricier

Pricier than 14% of homes nearby

Lot size1.16 ac
SmallerTypical 1.1 acBigger

Bigger than 51% of homes nearby

Year built1994
OlderTypical 1993Newer

Newer than 54% of homes nearby

How ranks against every home in each area.
MeasureThis homeChama 87520Rio Arriba County
Estimated valuepricier than$109,86914% of homes6% of homes
Lot sizebigger than1.16 ac51% of homes61% of homes
Year builtnewer than199454% of homes65% of homes

About

How much is , Chama, NM worth?

The TopHap Estimate for , Chama, NM is $109,869 as of Oct 21, 2026. The likely range is $88,968 to $130,770. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Chama, NM last sell?

, Chama, NM last sold on Jan 1, 1900, according to the county's recorded deed.

How big is , Chama, NM?

, Chama, NM has 3 bedrooms, 2 bathrooms and a 1.16-acre lot.

When was , Chama, NM built?

, Chama, NM was built in 1994, making it 32 years old.

What schools serve , Chama, NM?

, Chama, NM is assigned to Chama Elementary School (elementary), rated F; Escalante Middle/High School (middle), rated D-. All sit in Chama Valley Independent Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does , Chama, NM compare to other homes in Chama 87520?

Among the 1,583 homes in Chama 87520, it is worth more than 14% of them ($109,869 against a typical $196,339), its lot is bigger than 51% of them (1.16 ac against a typical 1.1 ac) and it is newer than 54% of them (1994 against a typical 1993). Measured against all of Rio Arriba County, it is worth more than 6% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on , Chama, NM?

The 2025 property tax bill for , Chama, NM was $1,240. The county assessed it at $45,391.

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Assigned schools

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