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Featured local agent — ZIP 87544
Sarah Mitchell
Compass Real Estate · ZIP 87544
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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87544 ZIP Code Housing Market
The typical home in ZIP code 87544 is worth $577,380, fell 1.6% over the past year (Zillow Home Value Index, August 2026). On the data we hold, 87544 reads as a balanced market. At today's 7.03% 30-year fixed rate, 20% down works out to about $3,082/mo in principal and interest.
Key numbers for ZIP code 87544
Typical home value
$577,380
-1.6% in 12 months
Zillow, August 2026
Typical asking rent
$2,479/mo
Zillow Observed Rent Index
Zillow, August 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$138,583
Home costs 4.2x income
U.S. Census ACS, 2024
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.
Is the 87544 ZIP code a buyer's or seller's market?
ZIP code 87544 is a balanced market. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
What are the latest 87544 housing market stats?
No provider publishes sale-level statistics for ZIP 87544 in our data set — providers only release ZIP-granularity sale data where transaction counts are high enough to be meaningful, and Redfin's public tracker (our source for median sale price, days on market and months of supply) stopped publishing entirely in June 2026. The White Rock, NM housing market page carries the full data set for the surrounding area.
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How does 87544 compare to White Rock, NM?
87544 sits about 5.7 miles from downtown White Rock, but we do not hold ZIP and citywide sale rows for the same period, so putting the two numbers side by side would be comparing different months. The White Rock, NM housing market page has the citywide figures, and the comparison tool puts any two markets against each other.
What does it cost to buy a home in 87544?
Priced off the typical home value of $577,380 at the current 7.03% 30-year fixed rate. Principal and interest only — property taxes, insurance, HOA dues and mortgage insurance are on top and vary too much by property for us to guess.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $115,476 | $461,904 | $3,082/mo |
| 5% | $28,869 | $548,511 | $3,660/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
Lenders generally want housing costs under 28% of gross income, so the 20%-down payment of $3,082 implies roughly $132,102 a year before taxes and insurance. The median household in this ZIP earns $138,583, clearing that threshold by about $6,481. Price-to-income runs 4.2x. Typical asking rent here is $2,479/mo, a price-to-rent ratio of 19.4x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment.
Run it with your own numbers: affordability calculator · mortgage calculator · rent vs. buy calculator
Who lives in 87544?
American Community Survey estimates for this ZIP code tabulation area. U.S. Census ACS, 2024
Population
13,598
Households
6,163
Median income
$138,583/yr
Median age
38.6 years
Owner-occupied
67.1%
Median home value
$488,300
Median gross rent
$1,360/mo
67.1% of occupied homes in this ZIP are owner-occupied — the share that decides how much of the local housing stock ever reaches the for-sale market. Census median gross rent across all leases is $1,360/mo, below Zillow's $2,479/mo asking rent on new leases; the gap is roughly what a mover pays over a stayer.
Which public schools serve ZIP 87544?
6 schools tracked · 3,069 students
The largest public schools serving ZIP code 87544 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.
LOS ALAMOS HIGH
Grades 10-12 · 864 students
LOS ALAMOS MIDDLE
Grades 7-8 · 592 students
ASPEN ELEMENTARY
Grades PK-6 · 444 students
MOUNTAIN ELEMENTARY
Grades PK-6 · 443 students
BARRANCA MESA ELEMENTARY
Grades PK-6 · 422 students
TOPPER FRESHMAN ACADEMY
Grades 9 · 304 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Homes for sale in 87544
Properties Incorporated is a data platform, not a listing portal — we publish what homes cost and how fast they move, and we point you at the portals for the inventory itself. Tell us what you are looking for and we will send the White Rock, NM listings that match instead.
87544 housing market FAQ
How much do homes cost in 87544?
The typical home in ZIP code 87544 is worth $577,380 (Zillow Home Value Index, August 2026).
Is 87544 a buyer's or seller's market?
ZIP code 87544 reads as a balanced market on the supply and pace-of-sale data we hold. Redfin's ZIP-level series stopped in June 2026, so this classification is frozen rather than live.
Is 87544 cheaper than White Rock, NM?
87544 sits in the White Rock, NM area, but we do not hold ZIP and citywide sale rows for the same period, so a direct price comparison would be mixing months. The White Rock, NM page shows the citywide figures we do have.
What income do you need to buy a home in 87544?
At the current 30-year fixed rate of 7.03%, 20% down on a $577,380 home is about $3,082 a month in principal and interest. Under the standard 28% front-end rule that implies roughly $132,102 in gross annual income, before property taxes, insurance, HOA dues or mortgage insurance. Census puts the median household income in this ZIP at $138,583.
Are home prices rising in 87544?
The typical home value in 87544 fell 1.6% over the last 12 months, from $586,762 to $577,380 (Zillow, August 2026). Zillow's index still refreshes monthly, so this is the current read.
What data do you publish for ZIP code 87544?
Zillow's Home Value Index and Observed Rent Index (monthly, current), Redfin's median sale price, days on market, inventory and months of supply (final period May 2026), U.S. Census ACS demographics, NCES public school records, and Freddie Mac's 30-year fixed rate via FRED for the affordability math. Every figure on this page carries its source and period. Properties Incorporated publishes market data; it does not list homes and does not give financial advice.
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