$70,000
13th Rural Lot 2
Atoka, NM
Land1.00 acres
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Compass Real Estate · Atoka, NM
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Atoka, NM(512) 555-0184TX License #0512847
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Atoka, NM Housing Market
Leaning buyer's
Redfin, through December 2025 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The last median sale price Redfin published was $380,000 (through May 2026). With homes going under contract in about 104 days, Atoka is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $380,000 home is about $2,029/mo in principal and interest.
Key numbers for Atoka, NM
Median sale price
$380,000
Last published period
Redfin, through December 2025
Days on market
104
Slow-moving
Redfin, through December 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$69,959
Home costs 5.4x income
U.S. Census ACS, 2023
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Atoka a buyer's or seller's market?
Leaning buyer's104 days on market
Atoka, NM is a leaning buyer's and homes selling in about 104 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Atoka housing market data show?
Every row below is Redfin's final published month for Atoka, NM. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $380,000 |
| Median price per sq ft | $177/sq ft |
| Median days on market | 104 days |
| Homes sold (that month) | 2 |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Atoka is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Atoka is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Atoka home prices moved?
Across the 21 months we hold for Atoka, NM, the median sale price rose 76.7%, from $215,000 in June 2021 to $380,000.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Atoka?
Priced off the median sale price of $380,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $76,000 | $304,000 | $2,029/mo |
| 5% | $19,000 | $361,000 | $2,409/mo |
Redfin, through December 2025 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,029, that implies roughly $86,942 a year before you add taxes and insurance. The median household in Atoka earns $69,959, about $16,983 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.4x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Atoka in the next 12 months?
Tell us your timeline. We send the Atoka market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Atoka?
Zillow does not publish a rent index (ZORI) for Atoka, NM, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Atoka?
Active listings in Atoka, NM went from 3 in March 2023 to 1 in September 2025, a -66.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| April 2023 | 2 | not published |
| May 2023 | 2 | not published |
| July 2023 | 2 | 1 |
| August 2023 | 1 | not published |
| September 2023 | 1 | not published |
| November 2023 | 1 | not published |
| December 2023 | 1 | not published |
| July 2024 | 2 | not published |
| October 2024 | 1 | not published |
| March 2025 | 3 | 3 |
| April 2025 | 1 | not published |
| September 2025 | 1 | not published |
Redfin, through September 2025
How does Atoka compare to New Mexico and the U.S.?
Atoka homes sell for $380,000 — 4% below the New Mexico median of $395,500. Against the national median of $410,700, Atoka runs 7% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Atoka, NM | $380,000 | not published | 104 days |
| New Mexico statewide | $395,500 | +10.8% | 53 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Atoka
What buyers should watch
- The gap between 5% and 20% down here is $380 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $380,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Atoka listing goes under contract in 104 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Comparable ZIP-level pricing inside Atoka varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Atoka
Explore homes currently listed for sale in Atoka, New Mexico across major real estate platforms.
$75,000
N Of 441 S Haldeman Rural Rd
Atoka, NM
Land7.74 acres
View photos & details
$175,000
23 Gary Dr
Atoka, NM
2 bd2 ba960 sqft$182/ft²
House13.35 acres
View photos & details
$265,000
809 Pecan Ave
Atoka, NM
4 bd2 ba2,280 sqft$116/ft²
House1.50 acres
View photos & details
$277,500
R13 Heath St
Atoka, NM
4 bd2 ba2,500 sqft$111/ft²
Mobile home
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Looking to buy in Atoka?
Get connected with a local real estate expert — free, no obligation.
How much do homes cost in Atoka by property type?
How the Atoka, NM market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $380,000 | $177/sq ft | 2 | 104 days |
Who lives in Atoka?
American Community Survey estimates for Atoka. U.S. Census ACS, 2023
Population
1,038
Households
423
Median income
$69,959/yr
Median age
31.3 years
Owner-occupied
85.6%
Median home value
$119,100
Median gross rent
$1,136/mo
Mean commute
16.9 min
85.6% of occupied homes in Atoka are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Atoka, NM?
Ordered by distance from Atoka, not by size. Compare Atoka side by side with any of them.
Atoka housing market FAQ
Is Atoka a buyer's or seller's market?
Atoka, NM is currently a leaning buyer's based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Atoka?
The median sale price in the last month Redfin published was $380,000, about $177 per square foot.
Is Atoka cheaper than the rest of New Mexico?
Atoka's median sale price of $380,000 is 4% lower than the New Mexico statewide median of $395,500, and 7% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Atoka?
Homes in Atoka, NM spent a median of 104 days on market before going under contract, versus 53 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Atoka?
At the current 30-year fixed rate of 7.03%, 20% down on a $380,000 home is about $2,029 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $86,942 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $69,959.
Are home prices rising in Atoka?
We do not hold a complete 12-month value series for Atoka, NM yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Atoka?
Atoka ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Atoka?
That depends on your timeline, not on a headline. What the data says today: Atoka, NM is a leaning buyer's, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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