Cost of Living in De Baca County, New Mexico
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How De Baca County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
De Baca County ranks #718 of 3,144 counties for affordability (top 23%)
Data Story
About Cost of Living in De Baca County, New Mexico
De Baca's housing burden peaks for lowest incomes
De Baca County renters spend 21.4% of income on housing—above both the national baseline of roughly 19% and the state average of 19.4%—while earning just $40,804 annually, the state's lowest median household income. This southeast county's $727 median rent strains already-limited household budgets significantly.
State's most vulnerable housing affordability crisis
De Baca County ranks as New Mexico's least affordable county by rent-to-income ratio at 21.4%, exacerbated by the state's lowest median household income of $40,804. The combination of low earnings and $727 median rent creates the state's most acute affordability pressure.
De Baca rents cheap but incomes cheaper still
De Baca's $727 median rent matches other rural counties like Cibola ($724) and Colfax ($704), yet De Baca households earn 21% less than Cibola residents. This income-cost mismatch makes De Baca's housing percentages hurt most among all counties studied.
De Baca rents consume highest share of incomes
De Baca renters spend $727 monthly while homeowners pay $503—a 31% ownership discount—yet both tenure groups face the state's tightest affordability. At $40,804 median income, renters allocate 21% while homeowners dedicate 15% to housing.
De Baca demands careful planning for relocators
De Baca County's combination of rock-bottom incomes and moderate rents creates real affordability stress, making relocation here advisable only with guaranteed income from outside sources. Remote workers, retirees, and those with existing assets will find genuine value; wage-dependent renters may struggle.
Cost of Living Advisory: De Baca County
Affordability Verdict
For renters in De Baca County, the market is affordable. Expect to pay around $727/month in gross rent, with 37.0% of renter households considered cost-burdened.
Rent vs. Own
Renters in De Baca County pay $727/month on average, compared to $503/month for homeowners. This market favors buyers by about 31%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $29,080/year. For owner costs at the 28% rule, the required income is roughly $21,557/year. With a median household income of $40,804, most households can comfortably afford rent here. Notably, 37.0% of renter households in De Baca County are cost-burdened, spending more than 30% of income on housing.
Regional Context
De Baca County sits 7% less expensive than Mora County ($785/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in De Baca County
Rent Burden
21.4%
of gross income
Max Housing (28% Rule)
$952
per month
Owner Cost Burden
14.8%
of gross income
The median home in De Baca County may be a stretch
Median home value is $158,000. Estimated monthly cost: $1,261 vs. your max of $952.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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