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Featured local agent — Ranchos de Taos, NM
Sarah Mitchell
Compass Real Estate · Ranchos de Taos, NM
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Ranchos de Taos, NM Housing Market
The typical home in Ranchos de Taos, NM is worth $418,330, rose 0.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $555,000 (through May 2026). With 2.5 months of supply and homes going under contract in about 49 days, Ranchos de Taos is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $418,330 home is about $2,233/mo in principal and interest.
Key numbers for Ranchos de Taos, NM
Typical home value
$418,330
+0.7% in 12 months
Zillow, August 2026
Median sale price
$555,000
Last published period
Redfin, through May 2026
Days on market
49
Average pace
Redfin, through May 2026
Active listings
10
2.5 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$51,380
Home costs 8.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and 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 Ranchos de Taos a buyer's or seller's market?
Ranchos de Taos, NM is a seller's market, based on 2.5 months of supply and homes selling in about 49 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Ranchos de Taos housing market data show?
Every row below is Redfin's final published month for Ranchos de Taos, NM. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $555,000 |
| Median list price | $652,000 |
| Median price per sq ft | $259/sq ft |
| Median days on market | 49 days |
| Active inventory | 10 listings |
| Months of supply | 2.5 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 4 |
| New listings (that month) | 4 |
| Listings with a price cut | 10.0% |
| 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 Ranchos de Taos is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Ranchos de Taos 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 Ranchos de Taos home prices moved?
Over the last three years the median sale price in Ranchos de Taos, NM rose 20.9%, from $459,000 to $555,000. The live Zillow value series has rose 0.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 10.0% of Ranchos de Taos listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 2.5 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Ranchos de Taos?
Priced off the typical home value of $418,330 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% | $83,666 | $334,664 | $2,233/mo |
| 5% | $20,916 | $397,413 | $2,652/mo |
Zillow, August 2026 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 $2,233, that implies roughly $95,712 a year before you add taxes and insurance. The median household in Ranchos de Taos earns $51,380, about $44,332 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 8.1x — 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 Ranchos de Taos in the next 12 months?
Tell us your timeline. We send the Ranchos de Taos 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 Ranchos de Taos?
Zillow does not publish a rent index (ZORI) for Ranchos de Taos, 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 Ranchos de Taos?
Active listings in Ranchos de Taos, NM went from 9 in January 2025 to 10 in May 2026, a +11.1% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| February 2025 | 14 | 6 |
| March 2025 | 14 | 2 |
| April 2025 | 14 | 1 |
| July 2025 | 18 | 4 |
| August 2025 | 17 | 1 |
| September 2025 | 16 | 2 |
| October 2025 | 17 | 1 |
| November 2025 | 17 | 2 |
| December 2025 | 15 | 1 |
| February 2026 | 14 | 2 |
| April 2026 | 13 | 3 |
| May 2026 | 10 | 4 |
Redfin, through May 2026
How does Ranchos de Taos compare to New Mexico and the U.S.?
Ranchos de Taos homes sell for $555,000 — 40% above the New Mexico median of $395,500. Against the national median of $410,700, Ranchos de Taos runs 35% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Ranchos de Taos, NM | $555,000 | not published | 49 days |
| New Mexico statewide | $395,500 | +10.8% | 53 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Ranchos de Taos
What buyers should watch
- Months of supply, currently 2.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 10.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $419 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 $418,330 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 Ranchos de Taos listing goes under contract in 49 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Ranchos de Taos added 4 new listings against 4 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +0.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Ranchos de Taos varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Ranchos de Taos
There are currently 10 homes listed for sale in Ranchos de Taos, New Mexico. The median listing price is $652K.
Active listings
10
Homes on market
Median list price
$652K
Avg. days on market
49
Days until sale
New this week
4
Newly listed
How much do homes cost in Ranchos de Taos by property type?
How the Ranchos de Taos, NM market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $555,000 | $259/sq ft | 4 | 49 days |
| Condo / co-op | $299,000 | $262/sq ft | 1 | 131 days |
Who lives in Ranchos de Taos?
American Community Survey estimates for Ranchos de Taos. U.S. Census ACS, 2023
Population
2,348
Households
687
Median income
$51,380/yr
Median age
26.6 years
Owner-occupied
100.0%
Mean commute
24.2 min
100.0% of occupied homes in Ranchos de Taos 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 Ranchos de Taos?
1 schools tracked · 252 students
The largest public schools serving Ranchos de Taos, 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.
RANCHOS DE TAOS ELEMENTARY
Grades PK-5 · 252 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 Ranchos de Taos, NM?
Ordered by distance from Ranchos de Taos, not by size. Compare Ranchos de Taos side by side with any of them.
Ranchos de Taos housing market FAQ
Is Ranchos de Taos a buyer's or seller's market?
Ranchos de Taos, NM is currently a seller's market. That read comes from 2.5 months of supply, homes going under contract in about 49 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Ranchos de Taos?
The typical home in Ranchos de Taos, NM is worth $418,330 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $555,000, about $259 per square foot.
Is Ranchos de Taos cheaper than the rest of New Mexico?
Ranchos de Taos's median sale price of $555,000 is 40% higher than the New Mexico statewide median of $395,500, and 35% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Ranchos de Taos?
Homes in Ranchos de Taos, NM spent a median of 49 days on market before going under contract, versus 53 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Ranchos de Taos?
At the current 30-year fixed rate of 7.03%, 20% down on a $418,330 home is about $2,233 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $95,712 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $51,380.
Are home prices rising in Ranchos de Taos?
The typical home value in Ranchos de Taos, NM rose 0.7% over the last 12 months, from $415,550 to $418,330 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Ranchos de Taos?
Ranchos de Taos 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 Ranchos de Taos?
That depends on your timeline, not on a headline. What the data says today: Ranchos de Taos, NM is a seller's market with 2.5 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 $418,330, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.