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Featured local agent — Cliff, NM
Sarah Mitchell
Compass Real Estate · Cliff, NM
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cliff, NM Housing Market
The last median sale price Redfin published was $250,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 95 days, Cliff is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $250,000 home is about $1,335/mo in principal and interest.
Key numbers for Cliff, NM
Median sale price
$250,000
Last published period
Redfin, through September 2025
Days on market
95
Slow-moving
Redfin, through September 2025
Active listings
1
1.0 months of supply
Redfin, through September 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$41,964
Home costs 6.0x 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 Cliff a buyer's or seller's market?
Cliff, NM is a seller's market, based on 1.0 months of supply and homes selling in about 95 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cliff housing market data show?
Every row below is Redfin's final published month for Cliff, NM. Redfin, through September 2025
| Metric | Value |
|---|---|
| Median sale price | $250,000 |
| Median price per sq ft | $194/sq ft |
| Median days on market | 95 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Homes sold (that month) | 1 |
| Market condition | Seller's market |
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 Cliff is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cliff 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 Cliff home prices moved?
Across the 8 months we hold for Cliff, NM, the median sale price rose 9.2%, from $229,000 in September 2021 to $250,000.
Redfin, through September 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cliff?
Priced off the median sale price of $250,000 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% | $50,000 | $200,000 | $1,335/mo |
| 5% | $12,500 | $237,500 | $1,585/mo |
Redfin, through September 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 $1,335, that implies roughly $57,199 a year before you add taxes and insurance. The median household in Cliff earns $41,964, about $15,235 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 6.0x — 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 Cliff in the next 12 months?
Tell us your timeline. We send the Cliff 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 Cliff?
Zillow does not publish a rent index (ZORI) for Cliff, 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 Cliff?
Active listings in Cliff, NM went from 1 in September 2021 to 1 in September 2025, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| September 2021 | 1 | not published |
| April 2022 | 2 | 2 |
| December 2022 | 2 | not published |
| September 2025 | 1 | not published |
Redfin, through September 2025
How does Cliff compare to New Mexico and the U.S.?
Cliff homes sell for $250,000 — 37% below the New Mexico median of $395,500. Against the national median of $410,700, Cliff runs 39% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cliff, NM | $250,000 | not published | 95 days |
| New Mexico statewide | $395,500 | +10.8% | 53 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through September 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cliff
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $250 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 $250,000 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 Cliff listing goes under contract in 95 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 Cliff varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cliff
There are currently 1 homes listed for sale in Cliff, New Mexico.
Active listings
1
Homes on market
Avg. days on market
95
Days until sale
How much do homes cost in Cliff by property type?
How the Cliff, NM market breaks down across single-family homes, condos and townhouses. Redfin, through September 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $250,000 | $194/sq ft | 1 | 95 days |
Who lives in Cliff?
American Community Survey estimates for Cliff. U.S. Census ACS, 2023
Population
132
Households
79
Median income
$41,964/yr
Median age
68.9 years
Owner-occupied
100.0%
Median home value
$252,300
100.0% of occupied homes in Cliff 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 public schools serve Cliff?
2 schools tracked · 202 students
The largest public schools serving Cliff, NM by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
CLIFF ELEMENTARY
Grades PK-6 · 101 students
CLIFF HIGH
Grades 7-12 · 101 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cliff, NM?
Ordered by distance from Cliff, not by size. Compare Cliff side by side with any of them.
Cliff housing market FAQ
Is Cliff a buyer's or seller's market?
Cliff, NM is currently a seller's market. That read comes from 1.0 months of supply, homes going under contract in about 95 days in the last month Redfin published (May 2026).
How much do homes cost in Cliff?
The median sale price in the last month Redfin published was $250,000, about $194 per square foot.
Is Cliff cheaper than the rest of New Mexico?
Cliff's median sale price of $250,000 is 37% lower than the New Mexico statewide median of $395,500, and 39% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cliff?
Homes in Cliff, NM spent a median of 95 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 Cliff?
At the current 30-year fixed rate of 7.03%, 20% down on a $250,000 home is about $1,335 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $57,199 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $41,964.
Are home prices rising in Cliff?
We do not hold a complete 12-month value series for Cliff, 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 Cliff?
Cliff 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 Cliff?
That depends on your timeline, not on a headline. What the data says today: Cliff, NM is a seller's market with 1.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $250,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.