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Chama 87520

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New Mexico
$373K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
4
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$210K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
201920202021202220232026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
201920202021202220232026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
201920202021202220232026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
201920202021202220232026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
201920202021202220232026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
201920202021202220232026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
201920202021202220232026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
201620252026

Housing Stock

HomesHow many homes we have records for in this area.1,584
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$210K
Median sizeThe middle home size here, measured in square feet.1,368 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1994
Single familyThe share of homes here that are single-family houses.78%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.78%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.2.6%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.30%
Company ownedThe share of homes owned by a company or trust instead of a person.19%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.7.4 yrs

CommunityThese 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 household incomeThe middle household income here — half of households earn more, half earn less.$50K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64K
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%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Chama 87520 compares

By median home value, Chama 87520 is the 20th most expensive of 27 ZIP codes in Rio Arriba County, and its typical home is worth more than 29% of all homes in Rio Arriba County.

Home values in Chama 87520

Share of homes at each estimated value.

Median
$70K$804K
ZIP codes in Rio Arriba County ranked by median home value
#Rio Arriba CountyMedian valueHomes
1Youngsville 87064$426K168
2Alcalde 87511$361K1,312
3Embudo 87531$358K163
4Ojo Caliente 87549$347K339
5Espanola 87532$339K8,570
6Chimayo 87522$331K1,695
7Truchas 87578$325K468
8Abiquiu 87510$316K855
9Medanales 87548$307K685
10Ohkay Owingeh 87566$306K502
11Hernandez 87537$304K1,285
12Velarde 87582$299K806
13Dixon 87527$293K620
14Lindrith 87029$287K129
15El Rito 87530$248K445
16Cebolla 87518$244K123
17Cordova 87523$238K245
18La Madera 87539$231K117
19Los Ojos 87551$212K478
20Chama 87520$210K1,584
21Canjilon 87515$191K267
22Gallina 87017$190K219
23Coyote 87012$187K238
24Canones 87516$180K106

27 ZIP codes in Rio Arriba County are ranked; the most valuable are listed here.

About the Chama 87520 market

What is the median home price in Chama 87520, NM?

The median sale price in Chama 87520, NM is $372,729 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Chama 87520, NM each year?

4 homes sold in Chama 87520, NM over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Chama 87520, NM?

Chama 87520, NM contains 1,584 residential properties, with a median of 1,368 square feet, 3 bedrooms, built around 1994. The median TopHap Estimate is $210K.

How does Chama 87520, NM compare to the rest of Rio Arriba County?

By median home value, Chama 87520, NM is the 20th most expensive of 27 ZIP codes in Rio Arriba County. Its typical home is worth more than 29% of all homes in Rio Arriba County. Los Ojos 87551 ranks just above it and Canjilon 87515 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Chama 87520, NM?

30% of homes in Chama 87520, NM are owner-occupied. 19% are held by a company rather than an individual.

How much equity do owners in Chama 87520, NM hold?

78% of mortgaged homes in Chama 87520, NM are equity-rich, meaning the loan balance is under half the home's value. 2.6% owe more than the home is worth.

Nearby markets

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Explore Chama 87520 on the map

See every recorded sale, price heat map, school zone and flood overlay across Chama 87520 in TopHap’s interactive 3D map.

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