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Learn about the people, housing, costs and businesses in Las Cruces
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Las Cruces.
True all-in cost — P&I, taxes, insurance & utilities for homes in Las Cruces.
Find and compare lenders active near Las Cruces.
FEMA flood zones and flood insurance estimates for Las Cruces.
Seismic risk and earthquake insurance estimates for Las Cruces.
Wildfire exposure and insurance estimates for Las Cruces.
Mortgage rates for Las Cruces are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for Las CrucesThe median home value in Las Cruces is $223k. The median monthly rent is $1,032. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Las Cruces have increased 14.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $931/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $40k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Las Cruces is $60k/year.
Calculate your buying powerThe largest employment sectors in Las Cruces are public administration (29%) and healthcare (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.