Chama, NM 87520 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Chama, NM—87520

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$323,000

4.1% YoY Growth

Household Income

$59,600

N/A

Days on Market

143

23.0% Longer YoY

Home Price Forecast

0.5%

Median Rent

N/A

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

N/A

Home Price Trends — Chama, NM

As of Dec '25, the median home price in Chama, NM is $323,000, with a year-over-year change of 4.1%. This indicates that home prices in Chama, NM are increasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$323,000	4.1%
Single Family	$324,000	3.5%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Chama, NM

Chama, NM lacks sufficient rental market data for analysis.

Type	Median Rent	Average Rent
Average Rent	N/A	N/A
Studio Rent	N/A	N/A
1 Bed Rent	N/A	N/A
2 Bed Rent	N/A	N/A
3 Bed Rent	N/A	N/A
4 Bed Rent	N/A	N/A

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% of Rental Stock

Studio

13.9%

1 Bedroom

17.8%

3 Bedrooms

68.3%

Property Listings — Chama, NM

As of Dec '25, Realtor.com reports that the median days on market for a home in Chama, NM is 131. This is a increase of 37.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$438,000	-14.0%
Listing Count	27	-8.0%
Listings as % of Homes	1.2%	-8.0%
Days on Market	143	23.0%

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Demographics — Chama, NM

As of the latest ACS Survey released in 2023, Chama, NM has a population of 1,090, which has decreased by -12.0% over the past 5 years. Chama, NM is a less popular place for families, as children make up 3.8% of the population. The area has a moderately educated workforce, with 28.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.3% reporting working from home.

Metric	Latest Census	YoY % Change
Population	1,090	-12.0%
% Under 18	3.8%	-78.8%
% Seniors	51.3%	125.0%
% WFH	6.3%	N/A
% w/ College Degree	28.8%	-12.2%

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As of the latest ACS Survey released in 2023, Chama, NM is a predominantly hispanic area, with 52.4% of the population identifying as hispanic. The hispanic population has shrunk by 24.9% in the last 5 years. The second most common race or ethnicity in Chama, NM is white, making up 39.4% of the population. Foreign-born residents account for 0.0% of the population in Chama, NM, and this percentage has decreased by 100.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	39.4%	62.8%
% Black	0.0%	-100.0%
% Hispanic	52.4%	-24.9%
% Asian	0.0%	N/A
% Foreign Born	0.0%	-100.0%

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Mortgage and Risk — Chama, NM

According to HUD data as of 2023, there were 48 mortgage originations in Chama, NM, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Chama, NM. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	48
% Conventional Loans	88.0%
% Government Loans	12.0%
% Investor Loans	2.0%
% Second Loans	12.0%
% Cash Out Refinance	10.0%

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Rentals and Section 8 — Chama, NM

Chama, NM lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	38
Total Units Section 8	0
% Rentals under Section 8	N/A
% Occupied Section 8	N/A

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	N/A	N/A	$710
2 Bedroom	N/A	N/A	$930
3 Bedroom	N/A	N/A	$1,120
4 Bedroom	N/A	N/A	$1,330

Chama, NM—87520

Key Metrics at a Glance

Home Price Trends — Chama, NM

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Chama, NM

% of Rental Stock

Property Listings — Chama, NM

Demographics — Chama, NM

Race and Ethnicity

Mortgage and Risk — Chama, NM

Mortgages

Rentals and Section 8 — Chama, NM

Section 8 Market Size

Section 8 Opportunity

Affordability — Chama, NM

Home Price to Income Ratio

Chama, NM — ZIP Code Boundary Map

Nearby ZIP Codes

Plaza Blanca, NM

La Puente, NM

Monero, NM

Cebolla

Abiquiu, NM

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	5.1
Median Home Price	$323,000
Median Household Income	$59,600

Chama, NM—87520

Key Metrics at a Glance

Home Price Trends — Chama, NM

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Chama, NM

% of Rental Stock

Property Listings — Chama, NM

Demographics — Chama, NM

Race and Ethnicity

Mortgage and Risk — Chama, NM

Mortgages

Rentals and Section 8 — Chama, NM

Section 8 Market Size

Section 8 Opportunity

Affordability — Chama, NM

Home Price to Income Ratio

Chama, NM — ZIP Code Boundary Map

Nearby ZIP Codes

Plaza Blanca, NM

La Puente, NM

Monero, NM

Cebolla

Abiquiu, NM

Frequently Asked Questions

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

How have home prices in Chama, NM 87520 changed over the past year?

What is the home price projection for Chama, NM 87520?

What are the demographics of Chama, NM 87520?

How long does it take homes to sell in Chama, NM 87520?

What is the average rent price in Chama, NM 87520?